I don't know if you worded that perfectly but I understand and agree with your feeling on this. I tend to give most everyone the benefit of the doubt until they give me reason not to. The reality is, in my experience, 95% plus are good people. I am not going to let 1 in 20 sour me on the other 19. I'm not going to miss out on the opportunities to make friends and share with 19 people because of the actions of 1. Or fear of those actions.
There's also a significant difference between competence and conspiracy. I suspect the issue the OP has is with competence, not conspiracy.