We all like to think we are smart, independent, in full control of our lives, and there is no way any of us would fall for a financial scam, like those lonely old seniors do, because “that happens to them, not to me, because I am smart.”
But the truth is, even smart people fall for it, people with master degrees, people who work in academia, people running large business… Even I could fall for this.
And how did you learn to recognize it?


I’m not sure how much it counts, since its more identity theft than financial scam (tho the end result is basically financial) but I replied to one of those scam jobs postings, they invited me to interview over telegram. That was red flag 1, nobody at all uses that here, so I knew it was probably a scam, and proceeded with that knowledge, mostly out of curiosity for how it would unfold.
They asked me some generic questions too quickly for anyone to have read the replies, so they got generic responses, then they offered me a job on the spot, I’d just need to send my identity documents to their super sus gmail address. Obviously I never sent anything, I contacted the company directly to see if the listing was at all legit and was told no, they weren’t hiring at all (shame too, I’d have loved that job). I also reported the posting, not that it’s likely to have mattered.
If the scammers had been a bit smarter about how they went about it, I might not have really thought anything of a text-based interview, sort of thing some places do for blind-hiring, nor is sending identity documents weird, but a drop box sort of thing would have made that one a lot less obvious… basically I can see how people would fall for it, even if my experience was too sloppy to he effective.