When we arefairly confident online and knowledgeable about matters financial, it is easy to be dismissive of others, although, I struggle to understand why people are conned by romance frauds, they are so blatant.
You only have to listen to You & Yours and Money Box on BBC R4 or read the personal finance pages in the papers, to realise how clever some of these scams are, especially the cold call ones claiming to come from banks and insurers or the police and when people's understanding of finance is minimal and their under standing of technology is even less, it is possible to see how they get drawn in and scammed.