Even when someone has built a good reputation you shouldn't become complacent. If there are options to protect yourself then take them, even if they're a little more hassle and expense.
There've been quite a few 'trusted' accounts that were either building a long con or lost their mind and screwed people. And it's surprising how tiny the amounts often are that people are willing to throw away their account over.
This is correct some people might change when it comes to money, i have seen people disaappear after taking cash from a person
we must take an extra precaution when making transaction, im not saying don't trust someone, but making extra effort to look
on his/her last transactions record will do to make sure we are safe from scam, specially during this pandemic, that people really need
money.