I know exactly what you mean, pumpkin. While I'm a very trusting guy, and can have faith in the help of others, if I feel they are good people, I always avoid being dependent on a third party, and always know in the back of my mind that if something important needs doing, the best people to do it are me, myself, and I. (I also believe that an addendum to Murphy's Law factors into this somehow... I'll leave that to your imagination
)
I also think that not trusting anyone but a very few people is an awfully grim and lonesome way of seeing the world. I got burned a few times myself, but I guess it wasn't enough to ruin my faith in people in general.