Just use 127.0.0.1 as the address and let hackers try to attack it.

That is sad. Openly showing trust to the people around you (even if you have to take the first step and give someone the benefit of the doubt) creates the safest, most pleasant communities. Plus it’s just a massive hassle and mental strain to distrust everyone all the time.

That seems kind of like the standard procedure around here (Germany) too. When you sell something online, the expectation is always that the buyer comes to the sellers house to pick up the item. I’ve never seen anyone do that “let’s meet at this random parking lot” thing americans tend to do.