I must admit that I haven't taken the time to read this entire thread.  My only reason for replying is to admit that I am a naturally trusting person who believes that everyone is innocent until proven guilty.  This does not mean that I naively give away my money to the first person that offers to do something beneficial with it.  It's just a simple fact that a person who has paid the price to become honest will naturally be able to recognize those who aren't.  This experience has a habit of relieving one of any sense of paranoia.