Ever get approved for a home loan? Much of that laborious process is to thwart fraud committed by a small percent of people. If everyone was trustable on good faith, computers could do most of the work almost instantaneously.
How about the entire organized crime bureaus of police forces worldwide?
Speed limits, building codes, the list goes on and on an on. And of course the wealth of society is sapped to pay for enforcement of all this stuff. Pretty much all civil regulation and the associated enforcement costs could be scaled way way way back if the single digit percentage of people who really suck didn't or the low double digit percentage of people who really get bent out of shape over these people got somewhat over it.
