I proudly call myself a conspiracy theorist. In my experience, people who have a vested interest and/or benefit from the outcome routinely conspire to further their own interests. This is human nature. It is also human nature to survive so it is in my own best interests to make sure these conspiracies do not negatively affect my own survival (or the survival of others).

It is idiocy that the negative label is applied to the person trying to protect themselves instead of the persons/group possibly trying to take advantage.