With that provocative title to grab your attention, let me explain what I mean. Please, as with all things of this type, keep in mind a giant neon sign that says, "OBVIOUSLY NOT APPLICABLE TO 100% OF PEOPLE."
In D&D of even a somewhat "old school" bent, it has always seemed to me that the game outright encourages inducing paranoia in your players. Making them distrust every offer of allegiance, every kind gesture, every calm scene, every peaceful town. Making them rightfully believe that they're in constant danger of losing their ability to participate in play, aka, in constant danger of character permadeath, for light and transient causes. I've even been told, just recently and on this very forum, that such paranoia absolutely is how play should work.
To that, I say bollocks.
... Would it "not be D&D" if fear weren't the fundamental motivator of your games?