Of course, intermediaries in trust may be more available to some kinds of people than to others, giving the former great advantages over the latter, as was evidently true for me by error, so that, unlike many people stranded without money abroad, I did not have to go to a consulate. Among the many groups that have long had difficulty owing to a lack of relevant intermediaries to help establish their trustworthiness have been wives seeking credit, the self-employed, and new arrivals to a community.

Russell Hardin, Trust and Trustworthiness, loc. 644