Civilization is built on trust, otherwise you’ll need to rebuild all of it yourself. This isn’t very different.
Civilization is also built on cheating and taking advantage of naive trust. This isn’t very different.
If that were dominantly true nothing would function at all. You trust and rely on thousands of people and services every day.
As others have said, if you're this skeptical I don't see why you would have been using them before this retention increase.