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.