How do you keep yourself safe?

Hi, I'm new here so apologies if I make a mistake. I don't even quite know how to get across what I mean in my question but I will try. 

I cannot tell the motivations, intentions, or meaning behind what people say, I find it hard to tell when someone is lying, it doesn't even occur to me to think of their agenda, and I struggle to recognise dangers of being ripped off or being taken advantage of in exchanges with people providing a service or selling me something. It leaves me feeling quite vulnerable and I avoid it, and when I have to do it I just accept that I'm going to be ripped off. Does anyone else experience this? Has anyone learned anything about how to handle these situations better and keep themselves safe? 

Thank you for reading.