Home Family & Relationship The Psychology Behind Trust and Credibility: Unmasking the ‘Naked Man’ Offering You a Shirt

The Psychology Behind Trust and Credibility: Unmasking the ‘Naked Man’ Offering You a Shirt

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In the world of relationships, business dealings, and general life advice, we often encounter a metaphorical “naked man” offering us a “shirt”. This metaphor illustrates a situation where someone with no discernible qualifications, resources, or experience attempts to provide advice or assistance in areas where they seemingly lack expertise. But what compels us to trust or doubt such offerings? 

Why do we trust?

At its core, trust is a belief in the reliability, truth, or ability of someone or something. It’s a fundamental pillar of our social interactions. The ability to trust helps us form relationships, navigate our environment, and make decisions. But trust is not merely bestowed; it’s typically earned through perceived competence, integrity, and benevolence.

Credibility and trust

Credibility refers to the believability of a source or message, which often plays a pivotal role in trust formation. In evaluating credibility, we often look at two key aspects: competence and character.

Competence relates to the skills, knowledge, and experience of the individual. When a person demonstrates high levels of competence in a given area, we are more likely to trust their judgment and accept their offerings. In contrast, when the “naked man” attempts to give us a “shirt”, we instinctively question his competence. How can he provide what he himself lacks?

Character refers to the perceived intentions and values of an individual. We consider someone of good character if we perceive them to be honest, kind-hearted, and driven by good intentions. Yet, when a person attempts to offer what they evidently lack, it might indicate dishonesty or deception, thus harming their perceived character and our willingness to trust them.

The role of heuristics

Heuristics, or mental shortcuts that simplify decision-making, also play a significant role in assessing trustworthiness. The “halo effect” – a cognitive bias where the perception of one positive trait influences our perception of other traits – can sometimes mislead us into trusting the ‘naked man’. For example, if the “naked man” is charismatic or highly articulate, we might overestimate his competence, even when evidence suggests otherwise.

Dealing with the ‘naked man’

So, how can we navigate these complex psychological processes to make informed trust decisions?

We must consciously evaluate the credibility of the person offering us advice or assistance. This involves a careful examination of their competence and character. It is crucial to seek evidence of their qualifications, experience, and reputation.

We need to be aware of our cognitive biases. By recognising that our brains often take shortcuts, we can take a step back and ensure our trust judgments are based on objective assessments rather than subjective impressions.

It’s also important to trust our intuition. While not foolproof, our gut feelings often synthesise subtle cues that our conscious mind might miss. If something feels off about the “naked man’s” offer, it might be wise to proceed with caution.

Final thoughts

Understanding the psychological dynamics of trust can empower us to make wiser decisions, not just when dealing with the “naked man” offering a shirt, but in all our interpersonal interactions. In a world where trust has profound implications, both personally and professionally, a discerning mind is an invaluable asset.


Leander Hawthorne, PhD is a cognitive psychologist and author, known for his keen insights on human behaviour and thought processes.

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