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So what we need is a system where all the bidders sign a copy of the contract, and then the vendors get a stamp made of their signature and paste it to the bottom of the hammer. Then just before the hammer goes down, they put the corresponding copy of the contract under it and BAM! Being...

I think it's due to a lack of confidence. Not in their own finances, but just a lack of self-confidence in front of a crowd, pure and simple. Exactly the same phenomenon you get at a school dance where no-one wants to be the first on the dance-floor. Personally I don't mind making a fool...