Where is my personal responsibility in making sure that the food I buy isn't poisoned and that the producer doesn't use slave labor? Where is my personal responsibility in making sure that my friend will return me a loan I made to him? Of course it is sensible to make basic precautions, but it is also sensible to expect social institutions like the legal system to help.

Our society is immensely complex; it is quite naive to assume that everyone has enough time and power to watch out for things like that and fix them. It is also quite dystopian to think that people should by default treat every stranger and company as adversary.

TL;DR separation of concerns is good