IMO the amount of diligence someone ought to perform on their counterparties’ character is different in different circumstances. “This person is one of hundreds of people I transact with every week” carries different obligations than “This person is one of the four big donors who fund my organization” carries different obligations than “This person has been my only source of income for the past two years”. Different EAs were at different points along this spectrum.
IMO the amount of diligence someone ought to perform on their counterparties’ character is different in different circumstances. “This person is one of hundreds of people I transact with every week” carries different obligations than “This person is one of the four big donors who fund my organization” carries different obligations than “This person has been my only source of income for the past two years”. Different EAs were at different points along this spectrum.