yeah, there is no doubt that there are still a lot of honest people everywhere. but the point is you can not tell, unless you personally know somebody.
just look at lending section of the forum. there are many newbie accounts that are asking for loans. who can tell if there is someone in the middle of them who is really honest and doesn't want to scam you.
When it comes to money you can't even trust your closest friends. I've been fucked over for the sake of a hundred dollars or less by people I've known for years. It does very strange things to people.
Once you throw in the internet, quasi anonymity and irreversible payments, I truly cannot see why anyone would ever issue a loan.