You're acting based on your priors and new evidence. You have a high prior for police stops existing in general, and a low one for people randomly lying about it, so a stranger saying there's one that way is compelling evidence to you. You have a high prior on the existence of treausure nearvy, but a low one of the existence of treasure worth the effort of finding, so me telling you you could get rich quick isn't compelling evidence to you.
I'm saying you're taking as if it were some sort of ontological model or normative rule of discourse, when really it's a verbalisation of a heuristic you've already admitted to using. You're using something like 'burden of proof' as an algorithm, even if you consciously reject it as a verbal tool.