Over the years, I got seriously burned personally and professionally by malicious people that I made excuses for in my head. It hardened my heart and caused me to be less understanding and forgiving of people.
Now I've come full circle. I'm back to your approach, but I play more defensively. People likely have a reason for being malicious that is out of their control. I don't need to judge them, but I do need to protect myself and my loved ones.