Why should we trust our bank and Government? Given that they nature and compositions of banks and Governments change often, and historically have had periods of

Why should we trust our bank and Government? Given that they nature and compositions of banks and Governments change often, and historically have had periods of complete untrustworthiness, why shouldn't it be assumed that you should not implicitly trust your bank or Government? Especially in Australia - see Royal Banking Commission, illegal metadata retention accesses (and accompanying laws).