I know a little about this sort of stuff.
Most transactions at every level are based on trust. They have to be, otherwise the world couldn't function. Unfortunately, there are a lot of people out there who play on this, abuse the trust and innocent people suffer. (Someone once said to me 'you can your family and freinds first, 'cos they're easier'.)
And if banks, corporations and 'professionals' get conned out of billions (which they do) what hope is there for the rest of us?
All you can do is exercise reasonable caution, and what's reasonable depends on the amount involved. It's a balance between taking nothing at face value and not becoming phobic about the danger of being ripped off (but then, isn't that true of life as a whole?).
BTW, if anyone ever approaches you about a wonderful investment opportunity based on 'prime bank monetary instruments' turn away. You have one of those already - in normal language they're called banknotes (or dollar bills for our US friends).