 An account of trustworthiness that includes the idea that trustworthiness is a virtue will seem ideal only if we think that the genesis of the trustworthy person’s commitment matters. If we believe, like risk-assessment theorists, that it matters only whether, not how, the trustor will be motivated to act, then we could assume that ill will can do the job as well as a moral disposition. Such controversy explains how and why motives-based and risk-assessment theories diverge from one another.