Agree.  This is such a valid point.  I think back to the first few centuries AD, and wonder what it was like.  Nobody knows why Christianity took off, but a sound theory is that it was popularized by the merchants of corinth.  Two principles I suppose they found helpful, were "dont steal" and "dont lie".  We can use cryptogrophy to help with the first part, but the 2nd part is unsolved, and part of what I see as most of the problem.  People will lie to make money, because there is no cost with doing so.  Perhaps we need a digital analgue for the modern era to make not just smart contracts, but fair and honest contracts.  Nostr finance w/ web of reputation might have a chance of working.