Raya was right to mistrust most people, and when the villain blamed Raya for the dragon's death I was really pissed. The villain is the one that was threatening to kill them and trying to kidnap the dragon, if it wasn't for her the dragon wouldn't have died, Raya was just trying to save everyone.
Also, none of the villains get any real punishment, and its frustrating. Disney used to have great villains (even in many of their weaker movies), and you loved seeing them lose, but they don't really do that anymore. Now, I'm fine with the occasional misunderstood, not really a villain antagonists, I think it worked well in Moana, but the bad guys in Raya (at least the arch rival and her mother) needed some kind of permanent punishment.
The message of trusting everyone is just not done well when some of the people are just assholes who are not trustworthy, learning not to trust everyone is also a legitimate lesson. The movie should have done something where Raya learns to trust more but the dragon learns to not be so naive, that would have at least made the message of the movie better.