Okay, let's be practical... IF someone is in your home---and you are asleep....
Do you trust that they will not take a check from the back of your checkbook... or medication from your pill bottles... or help themselves to your jewelry or electronics? Maybe inventory your mutual fund portfolio?
Perhaps they could help themselves to your passwords and bank information online, by accessing your computer.
They would have access to your tax returns and....
If someone is alone in my house, I need to know that they are trustworthy.
and yes, it takes some time to get close to me... I've been burned. So I'm very careful. (and that was a remodeler, not a lover...who kicked in my door and stole everything he could.)