That sounds plausible. Also, there are most likely individual differences, with some Muslims disdaining unbelievers, and others other accepting them. Just as happens among Christians, etc.
>To be fair though, it appears to be more socially caused. For instance, many men befriend the Americans and invite them to their homes and socialize with them there and trade with them and report to them problems and terrorist possibilities, etc but when in public they disdain the Americans due to social pressures...
Difference in opinions hath cost many millions of lives: for instance, whether flesh be bread, or bread be flesh; whether whistling be a vice or a virtue; whether it be better to kiss a post, or throw it into the fire... (from Gulliver's Travels)