Is that discrimination and prejudice?
Yes. But is it warranted? Yes. We learn lessons from our experience - for better and worse. And even if only one in ten kicked you in the balls, you would be on guard 100% of the time. We should learn to be wary more often these days - as people are less trustworthy and more likely to be looking to gain for themselves, even if it costs others. Pretending it isn't true, doesn't stop it from being true.