I agree with you that basically anything in the stock market has much less counterparty risk than that. I disagree with basically all non-trading examples you give.
It’s not just the stock market, it’s true for the bond market, the derivatives market, the commodities market… financial markets, a category which includes prediction markets, cannot function effectively with counterparty risk anything like 5%.
My sense is around 1⁄20 Ubers don’t show up, or if they show up, fail to do their job in some pretty obvious and clear way.
If the Uber doesn’t show up I’m not sure that’s counterparty risk: you haven’t paid anything, so it seems more like them declining the contract. The equivalent for a prediction market would be if you hit ‘buy’ and the button didn’t work, not for when you have paid the money and then don’t get the result taken from you. That’s much less bad than if the trade went through and then was settled incorrectly.
I think that’s false, at least the statistics on wage theft seemed quite substantial to me. I am kind of confused how to interpret these, but various different studies on Wikipedia suggest wage theft on-average to be around 5%-15% (higher among lower-income workers).
I think those studies have significant methodological flaws, though unfortunately I can’t remember the specific issues off the top off my head, so this may not be very convincing to you.
I agree this is true for gas and water (and mostly true for electricity, though PG&E is terrible and Berkeley really has a lot of outages).
According to the first google hit, PG&E said the average customer suffered 255.9 minutes of outage in 2013, which is a lot higher than I expected, but is still only 100*255.9/(60*24*365) = 0.05%
This started happening in Hawaii, and to a lesser extent in Arizona. The resolution, apart from reducing net metering subsidies, has been to increased the fixed component of the bill (which pays for the grid connection) and reduce the variable component. My impression is this has been a reasonably effective solution, assuming people don’t want to cut their connection entirely.