I've also thought that the root cause I don't trust institutions, or pretty much anyone, is my childhood. It also made me a lone thinker, which led to getting bitcoin before many others. It isn't good or bad thing, it is what it is.
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For me it was getting audited three times while not having done a single thing wrong, and being literally coerced a 4th time with something that turns out might have been illegal but that my gov tax authority did to me anyway. My spouse got audited about as many times too. ENOUGH.