The best condition for humans is an environment in which they are fortunate enough to have well-founded confidence (Dunn 1988, 84). This is not an individual-level problem but is, rather, a collective problem. For me to rely on not locking up my home or shop would require that I have confidence or trust in almost everyone. The individual-level problem here is to judge rightly what the collective behavior on trustworthiness is.

Russell Hardin, Trust and Trustworthiness, loc. 538