1. A method for performing a transaction, said method comprising: creating a buyer simulacrum for purchasing or providing at least one good and service, said buyer simulacrum being virtualized in that it is represented as a single entity having a composition of individuals or entities, or a combination of individuals and entities, each individual or entity having a qualification relevant to performing a particular or potential transaction involving said good or service that can vary over time; assembling aggregate qualifications of said buyer simulacrum said qualifications comprising information relevant to a purchase or provision of said good or service, said aggregation including a representation of one or more of a total, sum or average of various qualifications of said individuals; and presenting the aggregate qualifications to a simulacrum transactor of said at least one good and service, said transactor being a party of interest in a transaction involving said simulacrum, and said simulacrum adapted to perform one or more of: investing, pooling resources, sharing costs, and sharing liability as required by said transaction involving said simulacrum, wherein a program using a computer device executes one or more of said creating, assembling, and presenting.
4. A method as recited in claim 1 , wherein said aggregate qualifications is a qualification taken from a group of qualifications consisting of: member credit; member insurance; member history of past transactions; member skill data; member trustworthiness data; member experience data; aggregate credit; aggregate insurance; aggregate history of past transactions; aggregate skill data; aggregate trustworthiness data; aggregate experience data; and any combination of these qualifications.