Sweden is nowadays a low-trust society living in the shell of a former high-trust society. So many processes that are not adapted to the times we live in.
I think social media and the democratization of the hustle culture that was for a time limited to the US and at most a few big EU cities.
The number of scams, scammy behaviors like dropshipping, scammy advertising like those 'health pills and supplements' (shootout to Logan Paul and Joe Rogan, but we have those in France now) and how becoming rich on the back of trusting people skyrocketed. I think responsability is diluted enough, and this new mentality of "hey, it's not my fault you felt for it, gotta think more, I did and I'm fine, I merit what I got, and you merit to be scammed" makes people less trustworthy.