(Bloomberg) -- Even before the pandemic, Laura Ratliff hated car shopping. She was hunting for a well-worn, yet dependable, Toyota SUV, but the options didn’t much impress her. When she got to a certain point with a model or two, they failed inspections with her mechanic. It didn’t help that the dealers she met fit the stereotype—unctuous and inspiring zero trust. She peeked at some listings on Craigslist, too, but those sellers were sketchier still.By May, as the Brooklyn, N.Y.-resident...

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