This is a real, hard question. Two things are true:

1. Most people are generally good and while some have made catastrophic mistakes, those tend to be outliers over generally decent behavior.

2. Some people are consistent predators who have no compunction about harming others for their own benefit.

The people in set #2 really want to appear to be in set #1. It's good to be mindful of that fact. At the same time, set #1 is an actually much larger set of people.

Navigating this is probably one of those things where there's no perfect solution, just very difficult compromises.