Fed up with poor regulation, naked shorting or otherwise?

Why are investment houses necessary when it is entirely possible tecnically for me to sell shares I own to you, much as I would sell one of my old guitars over the internet. This would cut out the investment house's commission for doing very little leaving just a fee to the transfer agent digitally holding the actual shares for trasferring them to the buyer.

No interhouse shenanigans lending my shares or shorters playing gambling with shares they don't own, making money for nothing.

Roll on the clever chap who can write the app and deal with the legislation.

This is not my idea but I've forgotten which book I heard it suggested.