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When you set up scary, arbitrary systems with no transparency or ability to communicate back to that system, where your only interaction with it is when it decides to strike you? You create a big shadowy gap bad actors can hide in, and then that gap becomes SCARY and empowers those actors even more

Everyone absolutely needs scam literacy and the circuit breaker in their brain that pops and goes "Stop. Evaluate, then panic" and has for years, but this is a learned skill and it getting someone who has that circuit fail to pop is NOT the fault of the victim.