It's a failure of education. This is one reason why everyone should have a basic understanding of code: not so they can all become programmers, but so they can get a mental handle on these systems and the people who do program them.

It's the auto-mechanic problem; if you don't understand the thing yourself, you have no way to know whether or not you're being taken advantage of. So you tend to just split the difference and maintain a constant, moderate skepticism.