The sad thing in low-trust society? It drags you down. If a white person goes to India, the Indians try to relentlessly scam him, until he adopts the asshole attitude of not giving an inch to the Indians - he would be stupid to do so. Sure its regrettable to the 1% of decent Indians, but he's just a casualty of dog eat dog society.
You are 100% correct.
I wound up moving from a mostly white area where the few blacks stayed in their part of town and preyed on each other for the most part to a much blacker town.
In high trust Honkyville I would always try to help anyone who had car trouble.
My first month in Diversity City I heard about a man getting a knock at his office door.
"Lemme use yo' phone. Ma truck broke."
He sees an older pickup with the hood up so he lets the gentleman in.
The man with "truck trouble" promptly stabbed the would be Good Samaritan to death, stole the petty cash from the desk (less than $50) and drove away.
Now my default answer is "No" and I say it at 10-15 feet.
No, I don't have the time, a dollar, an "extra" cigarette.
No, I don't want to buy weed, crack, stolen cigarettes, stolen Christmas lights or stolen lawn equipment (All things people have tried to sell me).
Whatever it is, the answer is no.
I hate having to be like this but it is the only way to survive in a low trust society.