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You need to know people to add them to your trust list.
If you are a newbie, you don't know anyone, creating a list makes no sense.
Once you trust some user judgment, add them to your trust list.
Don't rush, add only people you think are honest and you can trust their judgment.
Most of D1 members have more than 6-7 years in the forum, others more than a decade. You will know people over time.
That's how the system was intended to work, but, in practice, I'm guessing that the vast majority of people would stick to the default list. That's just to have the view aligned with the rest of the forum members.
For most of the forum users who are not engaged in any exchange of goods or services, there's not much of a real value in building your own trust, unless I'm missing something here.
Maybe we could use a poll to see (roughly) what percent of people bothered to build their own trust list.