The problem IMO is lack of education and net smarts. The net sharks here, are very aware of the lack of it and catch many people every day. A friend of mine lost over 400K to these guys and most of them aren't hackers. What made it even worse to pursue it, they had to do the brown envelope thing too. I get many sucker bets every day and most of them come from social media. A simple call or email, a sob or BS story, a bank or phone account threatened, private information asked for and freely given, maybe even a little cash transaction, done deal. No hacker involved, if you get my drift.....