I could well be. All of these scams seem to prey on some sort of anxiety, and often on people trying to do the right thing.

I wonder how much we could reduce scams if we focussed on helping people with managing finances and dealing with financial systems, instead of focusing on “personal responsibility”. It seems like scams used to focus on greedy people looking for a get rich quick scheme, now they target people who are just trying to manage day to day, and with all of the changes we’ve made to how things work it’s not easy to keep up.

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