Right, shoplifting doesn't exist. Movie theaters run around profitably by getting people to pay whatever they want. They even let them bring their own food. And banks give you a mortgage just because you look like such a trustworthy dude.
No. What I am saying is that for the majority of cases, there is no "trust" involved. There is a protocol that ensures that the exchange occurs properly, regardless of any trust relationship between customer and seller.
Last time I got a mortgage I had to turn over financial history and have credit checks run. I have definitely had to pass background checks as a customer before.
Your landlord asks you to post a security deposit.
We literally have an entire credit worthiness sector.
You can also invert this and take trust as a default and only ban misbehaving customers.