TBH I feel very sympathetic - a con is painstakingly designed to work on people reacting more or less reasonably and normally to very clever manipulation, to address fears and tug on every emotion. Most would not be quite so trusting, and it isn't the banks' fault, but I doubt if she is an utter moron. A very sad story.
There's a conundrum here of course which is that the more regulations and protections are created to mitigate risk to consumers, the higher is the expectation that we will always be protected and our guard can drop.
Anybody who has run a business, or part of one, knows that change creates opportunity. That applies to con artists as much as anybody else. They just adapt, they will never go away.
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