Sometimes it is desperate people who fall for scams, sometimes it’s not.

Or, if there is desparation then it’s not always financial desperation. It may be loneliness and the desire for some connection, as exploited by all those “pig butchering” romance scams.

There’s no simple solution to stop people getting scammed, because scammers and swindlers are a ‘profession’ as old as society itself, and they’ll never find any shortage of takers.