One of my 40+ (and growing) routine reminders is "Be the reason someone believes in the goodness of people." As is "Be part of the solution." It's certainly difficult to believe in the goodness of people when scammers try to get your life savings and leave you penniless. However, I think there's a difference between ignorance and action. The same people would likely not pull that deceit on somebody they care about. Thus, the barrier seems to be not caring about everybody the same way you would about some family or friend. Why are we not all family and friends?