The reason we need these and many more is that we don't trust each other. And it's wise that we don't.
This doesn't mean trust is bad, only that the founders, rightfully, knew that it leads to complacency.
What's landed us where we are is not a lack of trust. (We've lacked trust from day one, that's how we got the Constitution in the first place). What's landed us here is complacency.