Why are most MC’s so disagreeable?

It feels like most progression fantasy books I read, the MC always ends up refusing or extremely hesitant to make deals with powerful individuals.

Their thought process tends to be “Oh this person is powerful (which somehow they equate with being evil) and so whatever their end goal is it is going to be catastrophically bad for me!” or “Oh this person secretly wants to dominate the world/system/universe/whateverthehell (despite having limited reason to think this) and so if I make a deal with them i’m just as bad as they are!”

It gets exhausting reading stories where the MC, who is otherwise pretty smart, just refuses anyone’s help because they’re more paranoid than a conspiracy theorist.

Does anyone else feel the same?