So, I was thinking over some ways in which some of my behaviours seem to contradict each other. I tend to trust people rather much in person but at the same time, I always lock the car and the house and expect that if given a chance my wallet would be stolen. The phrase that I came up with that Cindy made appropriate mmm-ing noises at is:
I trust individual persons but I don't trust people in general.
This still doesn't quite capture it since I think that on the average, people do what they consider the right thing and I have a general positive viewpoint on humanity/intelligence. But at least it is a bit more concrete than it was.