You're right. Most institutions can never be trusted 100%. Setting a criteria for choosing the best one(institution) is the only possible way out there. I think reputation and transparency is what most of them lack and any one who can do the two can make anyone a client.
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People need to develop a lot of trust before going ahead with them and with all the scams coming up they will have to work harder. But still there will be some who will be able to dupe.