> As the person holding the money, it's my job to look at what is effective and what the active ingredients are in any given product.

But I don't have time to do that. I would rather have a retailer do that curation for me and provide me with effective high value products, and stand behind returns when they miss the mark. Then as a customer I can reward them for that value added work.

That's why Costco is great most of the time. Although they sometimes miss the mark with certain products they stock.