Are some cultures less trusting than others?

[First paragraph] Nobel laureate Kenneth Arrow once described trust as a “lubricant of a social system”. Economic exchange, in particular, is virtually impossible without at least some level of trust. While markets, shops and online traders attempt to reduce uncertainty through customer reviews or free returns policies, consumers have to decide for themselves whether to trust unknown trading partners calling themselves obscure things such as Mae.B.O’Frawd_101 and pay for that secondhand phone, or not.