We are most familiar with naivety as being ignorant of the evil intentions of people. That is a kind of naivety. When you are too exposed to what is wrong about life, you are ignorant of what is right, that is naivety.
It is okay to guard the purity of your expectations. However, when you believe that everyone is out to get you and nobody means well, that is naivety. So when next someone calls you naive, ask what kind.