How Americans Lose Billions To Fraud

How Americans Lose Billions To Fraud | CNBC Marathon

Рет қаралды 248,460

Күн бұрын

CNBC Marathon explores the sneaky economics of odometer fraud, credit card fraud and phone scams.
Odometer fraud is a stealthy and a lesser known form of fraud that is hard to detect, but can cost a car buyer thousands. Fraudsters will roll back odometers on cars to hide the vehicle’s mileage in the hope of extracting a better price. And as used car prices rose during the pandemic, odometer fraud could’ve become a more attractive way to make some extra bucks.
America is the most credit card fraud-prone country in the world. The economic cost of credit card fraud goes far beyond the cost of illegally purchased merchandise; businesses often spend millions to protect themselves from fraud, buying software and hiring security experts to monitor transactions. Experts say there aren’t enough regulations to help protect the U.S. economy, especially small businesses from card fraud.
And despite the rise of sophisticated crypto frauds and ransomware plots, phone scams continue to trick Americans out of tens of billions of dollars each year. It’s not only older people who fall for such phone scams. Young people and men get tricked the most.
Watch CNBC’s marathon to learn more about these three common types of fraud and how to protect yourself and your business.
Chapters:
00:00 Introduction
00:49 How Odometer Fraud Became A $1 Billion Problem (Published Feb. 2023)
12:28 Why Credit Card Fraud Hasn’t Stopped In The U.S. (Published Jan. 2021)
25:15 How Phone Scams Tricked Americans Out Of $40 Billion (Published Nov. 2022)
Produced by: Robert Ferris, Juhohn Lee, Anuz Thapa
Additional Editing by: Jacob Harrell, Dennis Dovoan, Jack Hillyer
Additional Narration by: MacKenzie Siaglos, Jordan Smith
Camera by: Shawn Baldwin, Christian Nunley
Senior Managing Producer: Lindsey Jacobson, Tala Hadavi
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How Americans Lose Billions To Fraud | CNBC Marathon

Пікірлер: 303

@calpal9983 5 ай бұрын

If you find an honest contractor, mechanic, etc., PAY them, refer others to them, write them reviews, and promote them any way you can. Rewarding the good guys and helping their businesses succeed is one way out of this mess. Our connection through the internet makes it more possible than ever to spread the word about the good guys (and the bad!).

@davidknightx 5 ай бұрын

Problem is, how do you know the review sites are legit? Google makes it's billions on pushing you toward certain businesses....and those businesses aren't mom and pop shops because they don't have a ton of extra cash to throw at Google.

@stephanied1028 5 ай бұрын

“We’re a very rich country.” That’s the funniest thing I’ve heard in awhile.

@zozojan89 5 ай бұрын

“Adverse to friction but we accept 3-day timeframes for checks to clear…” that’s some great mental gymnastics.

@henryix9229 5 ай бұрын

Job scamming is out of control

@1luckyarmywife461 5 ай бұрын

Christmas Day 2022 a scammer drained our bank account with our card information. Luckily we are poor and only had $200 but that was our last $200. I eventually got the money back from the bank but had to wait until after the new year. These people are evil. We have four kids and don’t get food stamps or any government assistance. That $200 was to feed our 4 kids.

@Dave-sw2dm 5 ай бұрын

One of the reasons I don't have a debit card.

@cletokings4302 5 ай бұрын

I don’t trust most contractor or mechanics here in the us. Last year they tried to replace my furnace when the actual repair was the control panel and just recently, a dealership mechanics wanted to replace my fuel injectors when the issue was an O2 sensor.

@brunocardona6283 5 ай бұрын

That’s what they taught me to do in school lol

@skeptick6513 5 ай бұрын

Hvac guys are the worst, heartless and brutal. But you don't want to freeze do you?

@littlegoobie 5 ай бұрын

this is what i was thinking as i started watching the video. americans are losing billsions of dollars to scam x and y. ...yeah, to other americans who are scamming them. who's rolling back the odometers? Other americans. Who's ripping out that lady's concrete driveway and not replacing it? (from recent news) Other americans did it. It's the same as gun violence. "we need guns to protect ourselves" uhmmm...yeah, to protect yourselves from other americans with their guns.

@scottnelson1713 5 ай бұрын

Just past 35 minutes in, the Do Not Call list is mentioned. That is a total joke. No scammer respects that and some might even use it to come up with numbers.

@windyhawthorn7387 4 ай бұрын

I answer the phone to random number and put the call on mute until they hang up. That actually got the random phone calls to stop calling.

@jauntily 5 ай бұрын

Yeah my local North Carolina DMV office in Huntersville north of Charlotte was featured in the first segment on car odometer fraud. Recognized the building exterior.

@corngob3932 5 ай бұрын

I have a feeling some actual scammer is watching this video for knowledge they dint know, which kinda ironic😂

@kenmore01 5 ай бұрын

My biggest issue is that rarely, I get emails from legitimate sources, but I mistrust everything anymore. 95% of my emails are junk / RIP off, so I dont trust anything. I miss important things now.

@PaulADAigle 5 ай бұрын

I don't have to worry about scammers. I simply have no money. Even then, I've been scammed, actually hacked. My PayPal account got hacked and I lost everything I had built up. A total of about $16. They went through a whole lot to steal $16. They even tried to get money from my regular bank account (attached). My $4 was safe as my bank did not allow it. LOL

@andypeters3011 5 ай бұрын

Scammers and identity theft can do worse than take what you have though. They can put you in debt. If they are successful at opening loans or lines of credit then, sure, you might be able to get those cancelled, but you'll have to find out about it first -- have it ruin your credit score -- and then take the time to fix that as well. It's a massive waste of time for both individuals and companies and it's shocking that it's been happening for years and it's still so easy.

@PaulADAigle 5 ай бұрын

@@andypeters3011 Agreed, although in my case, I have no income thus no credit. Financially, I am like a 5-year-old, even if I'm more than 11 times that age. I lost everything, and nearly everyone, so I can't be scammed.

@Jamaicaboi2X 5 ай бұрын

@@andypeters3011it's not as easy as you think and most of the times it be inside people that help

@rayoflight62 5 ай бұрын

3D-secure consists in a one-time code sent to your phone that you must enter in the check-out screen to complete the purchase. Basically the bank is asking: is truly you doing this purchase? I don't see why people should abandon the shopping cart for a security check that takes less than one minute, and prevent anyone abusing my credit card.

@jaredgarbo3679 5 ай бұрын

This is kinda like Passkeys

@nazeercurry5248 5 ай бұрын

Great content.

@edna.Chavis 5 ай бұрын

Thanks for the video. I finally established a way to increase my net income per month. My 2024 goal is to pay off the house by Sept 2024. I have no debt other than mortgage. My 401k, HSA, IRA and emergency funds get maxed out. The mortgage is my last piece of debt left. I don't have any school loan or CC debt. I've made a lot of sacrifices over the years. I'm almost at the debt free finish line.

@natashanile907 5 ай бұрын

Congratulations on taking the steps necessary to get yourself out of the financial bind you were in.

@eddiet.campbell 5 ай бұрын

Facing your medicine can be difficult. However, with commitment, you'll ultimately reach a highly satisfying place. It's all about the actions you're willing to take.

@Tony.martin831 5 ай бұрын

Your financial journey is truly inspiring, and I'm currently striving to achieve the goals you've reached. Could you please share some tips to help others learn and navigate their own paths to financial success? Your insights would be invaluable.

@edna.Chavis 5 ай бұрын

@@Tony.martin831I believe everyone could benefit from having a personal financial advisor. They can assist you in reaching your customized financial objectives at any point, ensuring you remain profitable.

@edna.Chavis 5 ай бұрын

Obviously talking about been successful, I know I am blessed if not I wouldn't have met someone who is as spectacular as mrs Ava Kimberly.

@Ramsesthee2nd 5 ай бұрын

What ive learnt most from this documentary is that Americans are extremely impatient. Measures that work in Europe cant work in America because Americans do not want to spend 5 more mins to ensure their security

@john-b3886 24 күн бұрын

I've got one for you. A company called International Sea and Air Shipping gave me an estimate of $5,537 to move some household goods from the US to Spain (high but not unreasonable). After they had taken position of the goods they billed me $7,345.50. Then their European subcontractor, Schmidt Global, came up with fees of over 1,700 euros (a fee to move goods upstairs, a fee to get the right sized truck, a fee to attempt a second deliver again after they botched the first attempt). The amounts were never disclosed in the contract nor the conditions when the fees would be applied. Again, they held the goods hostage until they got the money. I contacted they federal government but they can not regulate international movers -- only state to state. The whole ordeal was a nightmare.

@deeeeeeps 5 ай бұрын

When the seat is shredded, steering wheel worn down to metal, no ink left on the radio it probably doesn't have 40,000 miles. I had a 2003 Jeep Grand Cherokee and would take the ABS sensor out in the winter because it was dangerous, well it also controled the mileage. I scrapped it when it blew up but easily could have sold and nobody would have known.

@Kai...999 5 ай бұрын

Thanks for this scam tutorial.

@allrounder7003 5 ай бұрын

In the UK mileage is recorded at the annual MOT test. The major exception to this are police vehicles which are never tested. Not even on sale. They get sold at auction and the auction houses offer to MOT the cars but the police refuse this as they get higher prices with no recorded mileage. So the police collude with the scammers.

@kidShibuya 5 ай бұрын

Are you so stupid you don't know what collude means?

@michaelandersson6088 5 ай бұрын

Same in Sweden, and it will show as a discrepancy when checking MOT history which is readily available online, for free.

@wendwllhickey6426 5 ай бұрын

Small dealerships have a habit of doing it a lot stay away from these scam dealers.

@allrounder7003 5 ай бұрын

@@wendwllhickey6426Yes. Defund them. Even if it means defunding the police.

@CreatingAlong 3 ай бұрын

@@wendwllhickey6426 I always feel bad for the small amount of legit small car dealerships out there. You get scammed almost 90-95% of the time using a small dealership so everyone stays away from them including the legit ones.

@wyntoncolter1067 5 ай бұрын

I definitely like how scam calls were highlighted "How Americans are losing billions to phone scams". Clayton LiaBrat the senior executive advisor for Truecaller his knowledge of malicious activity and actions was very informative and clearly broken down.

@rxklastz1770 5 ай бұрын

Why isn't the IRS on this list?

@blink182bfsftw 5 ай бұрын

Why would they be?

@anthonyethan359 5 ай бұрын

El pensamiento más sabio que ronda por la mente de todos hoy es invertir en diferentes flujos de ingresos que no dependan del gobierno, especialmente con la actual crisis económica en todo el mundo. Sigue siendo un buen momento para invertir en oro, plata y monedas digitales (BTC, ETH.... acciones, plata y oro)

@SusanErik 5 ай бұрын

Diré esto: ahorre, invierta y sea frugal. No es importante cuándo empiezas, sino lo que lograrás al final lo que cuenta. Diré cómodamente que es una decisión muy audaz para cualquiera que quiera sobrevivir y obtener independencia financiera.

@gabrielmarin1230 5 ай бұрын

Cobertura muy útil 🎉Feliz año nuevo a todos

@edgartoapanta3122 5 ай бұрын

🙂🎉2024 es una continuación ENCANTADORA del crecimiento de la humanidad💜

@castillojude7794 5 ай бұрын

parece tener una buena educación y una buena lectura. Hice una búsqueda en línea sobre su nombre y encontré su sitio web; gracias por compartir.

@JoshuaChester-xg3pp 5 ай бұрын

¡Stuart Michael sabe lo que hace! Sus consejos han sido invaluables para mi viaje comercial. ¡Definitivamente vale la pena intentarlo!

@rgen28 5 ай бұрын

This affects the entire world.

@numberoneduchess 5 ай бұрын

There was a time when you had to watch individuals. Things have changed dramatically. Today there are companies out there that will rip you off without blinking an eye. It's time to start watching them as well.

@mayfort8573 5 ай бұрын

It’s even harder to determine a scam calls now that many companies are outsourcing their call centers to India. It’s also annoying that many Indian representatives are incompetent to answer any questions.

@LIFEwithBAVAN 5 ай бұрын

True. I hear an Indian accent- I hang up lol. And I'm Indian! (Born and raised in the US though)

@kevin4227 5 ай бұрын

@@LIFEwithBAVAN ok

@deyoungyoung3059 5 ай бұрын

Bro same. I’m not sure why companies are outsourcing to India. Im guessing cheap labor.

@NavSihag 5 ай бұрын

@@deyoungyoung3059because we’re good in English. And those scammers are defaming the reputation of my country 😢

@NavSihag 5 ай бұрын

@@LIFEwithBAVANhmm…whiter than the white !!

@dwaynejones1555 5 ай бұрын

Sad, even legitimate businesses won’t give you a employee #. Also, they don’t like you recording them, like they record you.

@waldoho12 5 ай бұрын

If the British never controlled India (British India - Hindustan) this would not be happening as that is how they learned English. If only Hindi and their other native languages we would not have this problem.

@Jahguaar 5 ай бұрын

Knowledge supports growth.

@tracybrooks215 5 ай бұрын

UPS and FedEx are probably more guilty than used car dealerships in regards to rolling back odometers,

@benkenny3220 5 ай бұрын

Iirc, they don't own them, same as Amazon. They rent/lease them and the 3rd party is also supposed to maintain them but generally doesn't.

@tracybrooks215 5 ай бұрын

@@benkenny3220 wowwa,! I didn't know that!

@karljohn5067 5 ай бұрын

As someone who is preparing to study for a while in the us, this is actualy good info.

@darleneatkinson3906 5 ай бұрын

CNBC, these videos can teach people on how to do criminal acts just from these videos. Yet, it alerts regular people what to be aware of. however, thanks for video happy new year 2024.

@ronnianabalos4627 5 ай бұрын

Wow, this video opened my eyes to the prevalence of fraud, especially odometer fraud and credit card scams. I had no idea about the extent of these issues. I appreciate the detailed breakdown of terms and the examples provided. Learning about the various forms of fraud and their consequences has made me more vigilant. I'll definitely apply the lessons from this video to protect myself in the future. It's crucial to stay informed, and I'm grateful for the insights shared in this informative piece. Thank you, CNBC for shedding light on these important topics!

@darleneatkinson3906 5 ай бұрын

This similar thing happens in my life, I hung up the phone call my nephew first he said he had no idea what I was talking about, I told him that I receive a call you were in and accident was in jail and needed money to be bail out so that why we are talking. As soon as they say do not tell anyone that tells me I need to talk to somebody before giving into the caller. I had watch enough of these scams tricks I was really to avoid the scammers call.

@thenoodlebuddy 5 ай бұрын

I'm sure I've seen this video about the mileage fraud before. Are they reuploading the same material?

@auro1986 5 ай бұрын

how? innovative business ideas and advanced technology

@adiposerex5150 4 ай бұрын

My credit card was used to charge 3 $30 purchases. I reported it and got a full credit and new card. Now I cringe to buy anything with it.

@25784lazza 5 ай бұрын

Education is the most important step here, that elderly lady's story had so many red flags that would with the right education prevent this sort of crap from happening. I only have a debit plus card with no overdraft, if I want to spend money I have to transfer it from a different account and will only do it for that amount, it is not a perfect system but has worked perfectly thus far.

@numberoneduchess 5 ай бұрын

I do the same thing with my Paypal account. No one can get more than is setting there, and they have no idea where the money was transferred from.

@liastk2112 5 ай бұрын

I was about to comment that this video seems like one for little kids, then Julie basically described US citizens like impatient children with anger issues and now it all makes sense.

@ademolaajibola8370 5 ай бұрын

You can't trust anything or anyone. Too many scams outside.

@yoked1234 5 ай бұрын

Just from my own anecdotal experience all the millennials/younger people fell for the social engineering part but at some point came to their senses and called someone. It was the older folks that actually went through with sending money though.

@Mundo564 4 ай бұрын

How do you do it with a digital odometer since they have to break into the computer?

@PlatPodMediaCEOSean 4 ай бұрын

I’m 41, and wonder what kind of scams will be around when I’m elderly

@venukrithish007 5 ай бұрын

Why dont people buy based on service history? That should surely indicate the real mileage

@PSVYME48 3 ай бұрын

Nice one bro😊

@nunyabiznez666 4 ай бұрын

Just starting the video, but I remember hearing about this when I was a kid...30 years ago. Didn't think it was able to be done anymore.....a long time ago lol

@hajosiko 5 ай бұрын

Somehow here in Europe in many countries for example the nordics we havent had the kind of Credit card frauds like you have had for ages. Both your cards, card readers and online banking is years behind in security, the flaws are easily fixable, just call any bank here and ask how did you do it. For instance get rid of the magnetic strip on cards, secondly add a 2-part authentification to your online credit card payments etc. And what goes to the odometers, at least in my country it gets tracked every year in inspections, and electronically stored by the government, cant change those numbers.

@hbarudi 5 ай бұрын

There should always be a second odometer hidden deep in the engine bay that reports the actual mileage and can support digits to the millions place. This second odometer would normally be ignored by your typical roll back guy trying to scam someone on a car. Then once the car is investigated, that odometer reading will be discovered and tell the truth. Do car manufacturers do this?

@tawacnt7122 5 ай бұрын

Usually the odometer reading is stored in multiple computer modules in the vehicle that can be accessed through the OBDII port. Some of the methods of modifying the odometer overwrites this data and some of the methods only modify the data in the instrument cluster leaving the unmodified data in other computers in the car such as the PCM.

@motive7475 5 ай бұрын

Can’t believe anything anyone tells you anymore. This is how it is now. Take this approach and it will help you avoid a lot of the scams not all but a lot

@djp1234 5 ай бұрын

It only keeps getting worse because we don't punish crime.

@landshass2849 5 ай бұрын

This is a re run video! I've seen it before on CNBC KZfaq channel few months ago.

@MOBMJ 4 ай бұрын

it happens to the best of us sometimes. I fell victim to a dating scam, I never had a girlfriend and never been on a date. People take advantage of nice, kind and sweet people like us, and its horrible and makes you feel stupid. a good friend of mine said though to me people like us matter and the world needs nice people like us.

@on-site4094 5 ай бұрын

If cars had different modules that recorded the mileage would make it harder for the crooks. In Canada when you renew your plate every year you have to register the mileage that keeps a pretty good record if u sell or buy a car they sell a vehicle users sellers / buyers package. so that gives a vehicle history

@alienhead1184 5 ай бұрын

They record ur miles every time you go in to get an oil change

@fabianfeilcke7220 5 ай бұрын

Most modern cars actually have several places to store the mileage. You should always check a used car with a diagnistics tool before you buy it. Often this immediately shows that the odometer odes not match the recorded milage of other ECUs

@JohnS-er7jh 5 ай бұрын

Check washing is prevalent as well, and some people still Have to write/mail checks. I am tired of law enforcement and banks telling people never to use paper checks anymore, its nonsense advice - the banks are trying to absolve themselves of any responsbility as usual / just give me the profits please attitude). If you paying with a check (even dropping it off in person, like paying house taxes, etc.) ensure to use the Uniball 207 Pen, the ink cannot be washed off.

@CreatingAlong 3 ай бұрын

You shouldn't be using checks it is 2024. The only people I know who still use checks are in their 80's and literally don't even know how to use a computer enough to do a google search. So unless you were born before the 1940's or have a mental disability you shouldn't be using checks.

@chrism340i 4 ай бұрын

A lot of the problem is the odometer fraud is rarely caught and even more rarely prosecuted.

@HarveyFoFi 2 ай бұрын

OMG, Kitboga is on this video. He is my favorite. :)

@handle11141 5 ай бұрын

honesty remains the best policy. even in the context of commercialism, something like stealth marketing could upset a person whose interest is being trampled impolitely, besides creating the false impression of never ending conspiracies against one's fundamental right

@riasat001 5 ай бұрын

thats why i may never buy a used car unless i know the buyer

@Order_of_Chaos 5 ай бұрын

They can't make the odometers black boxes that connect to the internet and send periodic updates?

@jarviszhang 5 ай бұрын

Isn't odometer a global second-hand car dealer practice? The problem really is how you can regulate this business.

@ColibriZurdo 5 ай бұрын

Dealership markups are a scam and were not mentioned

@Needglory23 5 ай бұрын

😂

@deeeeeeps 5 ай бұрын

Yeah cuz they don't deserve to feed their kids.

@Jamaicaboi2X 5 ай бұрын

@@Needglory23no seriously

@anonymous05067 4 ай бұрын

Did they repost this video? I surely watched it before, and it was not 2 weeks ago.

@dennissierocinski6038 5 ай бұрын

In America this is known as Fundamental Change.

@letsgoOs1002 5 ай бұрын

Wait they don't hash and serialized the odometer? Like that could help a lot.

@daviddelgado6068 4 ай бұрын

why was 2016"s data not available?

@Dieselpwr 4 ай бұрын

Most people want cheap and a deal We need to tackle that mindset first I’ve lost money on cars several times I’ve became numb to it and don’t feel sorry for anyone

@SasukeFan21 4 ай бұрын

The woman at the end of the video she doesn’t deserve that.😢 The scammers need to be investigated by police. Now I see why I got too many unknown call scams and overheating or shutdown phones out of the blue. sigh.

@KevinSmith-qi5yn 5 ай бұрын

Selling million-mile Tundra with only 14 miles on the odometer.

@amazon4716 4 ай бұрын

Where's the link to call centers in IND IA 😅

@NWforager 4 ай бұрын

that FTC dont call list seems to be a joke among scammers . like scammers actually have the whole "do not call list" List 👀

@tracybrooks215 5 ай бұрын

That's why I only buy a used vehicle that has only been owned by 1 person and when I buy it I would be the second owner

@orlandocastaneda4107 5 ай бұрын

And the legal fruads like the banks and insurance

@weswest8666 5 ай бұрын

All those “I bought a lambo” influencers typically have a mileage blocker installed because it’s a rental or low mileage lease

@marieazrak1951 5 ай бұрын

Why do you think I refuse to work for any government agency ever again?

@Sjalabais 5 ай бұрын

Rewinding a car's mileage from 300000 miles to 30000 miles, the example mentioned some five minutes in, should be barely possible. A car that has been driven so far has signs of wear and tear everywhere on the interior and exterior. Sounds like an excessive attempt at fraud that is easily uncovered.

@MrLoobu 5 ай бұрын

I know people who were scammed by AI voices of their loved ones over the phone begging for bail money.

@Blank00 4 ай бұрын

CNBC needs to talk about pig butchering too

@introvertsrock9843 5 ай бұрын

Scammer payback is good Everyone should watch these type of channels I like how they did it at an anydesk office

@patriciajump9511 4 ай бұрын

Fraudsters are today's gangsters.

@regularnewsanalysisadnansa7082 5 ай бұрын

We provide health insurance over the phone is that a scam

@nickwinn 5 ай бұрын

Here's a far out idea, how about we judge the value of a vehicle based on something other than just the mileage?

@JohnS-er7jh 5 ай бұрын

like what? Mileage is often the number one factor in the value of a vehicle, as it should be. A vehicle that is well maintained and has lower mileage for its age, is going to have a much higher resale value then a newer vehicle with much higher mileage (given the same make/model).

@DPelicanGaming 5 ай бұрын

@@JohnS-er7jh untill its a classic desirable car, then milage dont mean jack isint that funny how it works.

@ramcherfelix6818 5 ай бұрын

Don’t mess with Shraders

@youcainthandlethetruth 5 ай бұрын

I wonder how much used cars are rolled back?

@maestoso47 5 ай бұрын

Corporations commit the most fraud.

@bradlyrogers2920 5 ай бұрын

Blatantly wrong

@michaelayeni177 5 ай бұрын

Why aren't politicians and their fiscal spending on this list?

@noteveryday 5 ай бұрын

Whats with the subtle salt shaker noise audio around 21:10? That will 100% get you to pause and check wtf that sound is. Twice.

@PeterJames143 5 ай бұрын

that suuuuucks

@jonnythedemon 5 ай бұрын

You misspelled taxes

@mack-uv6gn 5 ай бұрын

Aren’t odometers most digital now? So how is it still possible?

@Ultimusvivi 4 ай бұрын

If it's digital it's nothing more than a computer which can be reset you can also just get an instrument panel off of an identical car from an auto salvage that has lower miles.

@Phil-D83 5 ай бұрын

Common circus. Buyer beware. If the laws were not as hard, it would be much worse.

@lmccarty2201 4 ай бұрын

The do not call list has not helped my family.

@johnlittle8267 5 ай бұрын

why is the volume so low on this video - please fix for future videos!

@novanhazard9625 5 ай бұрын

Ha.....you people should to Kenya.... there are golf scams worth a billion dollars everyday😂

@gaminginstilllife9429 5 ай бұрын

most cars and trucks are going all digital and this will be stored in the computer

@Novastar.SaberCombat 5 ай бұрын

Stay classy, humanity.

@SanDiego619RS 5 ай бұрын

OFI OPPEN UP!!

@jaker3151 5 ай бұрын

Once you have been scammed you live life suspecting everyone is a scammer. It's not a nice way to live. From porch pirates to credit card fraud much more needs to be done and bad people need to be punished. One day I'm going to get old and won't be as sharp as I am now. I wonder how many future AI generated scams will I fall for.