I've had the following college classes: Intro to Psychology; Social Psychology; Negotiation and Conflict Management. I had a corporate job for over five years. Part of that job was looking for "red flags" and referring it to the fraud department if it looked fishy enough. I also was taught proper procedure for how to handle a file where I had conflict of interest in order to protect the company legally (Answer: You don't. You leave note and send it back to the queues and let someone else handle the file.)

Framing this as opinion based on "my experience" is basically hanging an awful lot of baggage on me and acting like I've simply had a sucktastic life surrounded by people I can't trust, etc. It's a pretty ugly suggestion and not only serves to invalidate me, it invalidates the point entirely by presuming it has no real basis other than "Wow, that woman must have the worst life ever. Sucks to be her, I guess." And that's really not a good faith means to engage the point.