I agree with you; but to me, the 'everything is a conspiracy' lot are just the non-critical thinkers going from the opposite perspective of the non-critically-thinking 'there's no such such thing as a conspiracy' lot.
I think there's a large middle-ground of people who neither swallow every fanciful CT as presumed fact but also like to look into some of the potentially more plausible ones, before making up their own minds - if indeed, they can't find actual unbiased evidence to either prove or disprove it.
Many of these people would keep quiet and not tell you of their suspicions, because it's such a trope that anybody who doesn't unquestioningly believe everything the government and other authorities tell them is fact is a crazed CT loon.
It's a very loaded term, when in itself, it's a neutral term - of having certain doubts and wanting to look into them in more detail. There was a time when people would just as freely condescendingly sneer, whenever somebody said something slightly controversial, "Oh, is that something that you read on the internet?!" Whereas now, virtually ALL information is on the internet, whether from the most trustworthy sources, the absurd crazy ones or anybody in between.
Maybe we should just accept that Prince Andrew must surely be categorically innocent of all the crimes that he's been accused of, as he seems not to be being pursued by the law anymore. Maybe we need to acknowledge that all of those very wealthy and high-profile people in Jeffrey Epstein's address book - who visited him in his private quarters multiple times - were just wholly innocent friends and pure as the driven snow. Maybe we need to come to terms with the provable fact that nobody in the BBC ever had the faintest idea about what Jimmy Savile was up to. If we don't accept all of these and countless more, we're just wacko conspiracy theorist nuts, aren't we?
None of this questioning of things like this leave us duty-bound to entertain for a second that Finland doesn't exist, the Moon is made of cheese, the Earth is flat, birds are charged up at night on telegraph wires or any of that - even if some do choose to seriously pursue exactly that. Beliefs in conspiracy theories are by no means binary: the entire lot or none whatsoever.