"How it works" in the way you're referring to here is more a matter of what standard of proof should apply situationally. Anecdotally, there's usually no need for the claim to be believed as a matter of knowledge, and no desire on the part of the listener to challenge it. If it's a casual anecdote casually reported and casually received, then a low standard of proof applies. The default position is still the null hypothesis, but the null may be easily overcome, or the question simply set aside in favor of other concerns such as avoiding unnecessary arguments.
Yes, that is the null position. If someone claims to have gone to China in the context of a cocktail party, the null hypothesis is still the same, but the other intervening circumstances make contention ill-advised. Wheaton's Law seems to be a good yardstick here. The claim is prima facie plausible (travel to China is reasonably common) and the consequences of either belief or disbelief are negligible. Hence under those circumstances a skeptic could be persuaded to accept a lower standard of proof.
If on the other hand someone claims to have gone to China as an alibi against the accusation of a crime, then there indeed arises a much higher standard of proof. It becomes more important to establish that visit as a matter of objective fact, hence we apply a higher standard of proof. Skeptics tend toward the latter approach in all cases of propositional knowledge, but it seems like you're trying to conflate the propriety of a skeptical approach in all cases with the philosophical justification for rational skepticism. those are applies and oranges.
None of this erases the condition that the null hypothesis was the same in each case, applied in each case, and was required to be overcome in each case. Don't confuse the propriety of skepticism with the practice of skepticism.
The null hypothesis is not doubt per se. It simply arises naturally from any affirmative claim. When you say "default position," this to me says the position that is most rationally presumed before we turn to the question of evidence. That said, prima facie plausibility enters the picture. A claim that is implausible on its face tends to suggest a higher standard of proof. "I went to China" is not at all implausible on its face. "I can read minds" is. The question doesn't exist in a vacuum.
It doesn't because most people are honest. The default position is to assume a statement from a person is honest unless proven otherwise.
If you think not, I would really like to follow you around for a day, and watch you interact with people.