The 20% side of this is yes, there are some prebuilt binaries in AUR - usually because (a) they are vendor proprietary code with no source (Zoom, for example) or (b) so insane to build that the vendor does it and you use their binaries (Firefox for example - it's a monster to compile). Most of the time these packages are clearly labeled, usually with "-bin" in the name so you can easily avoid them.
You are executing build instructions written by someone else, but the tools encourage you to actually review them (and pikaur for example can show them to you for review right then and there). There is a level of trust involved and yeah, bad actors do try and slip in ugly things but they're usually found pretty quickly because folks are actually reviewing-before-installing as encouraged. It's risk management on this one, you take some personal responsibility for using AUR to pay attention.