When fine print becomes fiction

What if we are conditioned to believe that we can’t have it all? That there is a trade-off, a catch, a proverbially price to be paid. That if something is too good to be true, then it must be?
And what if this has manifested itself into a cognitive bias where some individuals are actively looking for the fine print, for the catch but they don’t stop even when there is evidence to indicate it does not exist.
This need to find the fine print, find the scam makes them ripe for conspiracy theories and false narratives. Because they want to find some reason to believe it’s too good to be true. It is primarily a trust deficit but one that is actively seeking out rationale and when it can’t find any, it fabricates or appropriates it by readily believing information with limited or no factual evidence.
Though there is need for research to even see if this is true and to understand why some people are more inclined to believe conspiracy theories. I do have some hypotheses on who is inclined to suffer from this bias the most.
It seems on initial viewing that disgruntled middle class and lower middle class individuals are the most prone to this. Individuals for whom errors are expensive because they don’t have much of a cushion for failure and hence tend to be risk adverse. There also seems to be a popular narrative of being cheated and are constantly on the lookout for scams. This is not dependent on political viewpoints though conservatives are inclined to blame the cheating on low income individuals whereas liberals are inclined to blame corporations and the so called 1%.
Like I said more research and testing is required.