This makes me want to create a house-swap service for HN users. Take a two week vacation in someones home (and them in yours) with the social contract established by your HN profiles
Yep, that's a great idea. That and house rental with the trust because HN; you can stay anonymous (as far as your profile would be anonymous) until both sides say yes (based on comments + karma).
no such assumption, just view a persons profile and decide if you trust them. Some (like me) use our real identities, so it should be possible to get a sense of us. People have varying comfort levels, but I don't see how the average HNer would be worse than the average AirBNBer