I'm the same way, Becky. I take people at face value, and only expect more than what's presented if they're expecting the same of me. For example, I'll take another author's word for who they are, but if I'm going to co-write with them, I expect more transparency. I've met all of my co-authors in person at least once (most of them many times), and we have mutual friends who can also vouch for them. I need to be able to trust a co-author.
When it comes to giving people money (for example, people who've done fundraisers during hard times), I'll donate if I can. If it comes out later that they're not who they say they are or the circumstances were fabricated, well...I can still sleep at night. It's on them, not me.