It might be too late now, but I wonder if you could've convinced her to put the money into a trust and have it slowly distributed to her over the remainder of h

It might be too late now, but I wonder if you could've convinced her to put the money into a trust and have it slowly distributed to her over the remainder of her life. At the very least, whatever enjoyment she's getting out of helping this person could be stretched out for decades, and it reduces the risk she'll be out on the streets with no options. And if the story is the guy is in debt, usually creditors are willing to negotiate a repayment plan, so it shouldn't be too hard of a sell. You could even say the scammer will benefit, since he won't get taxed as much doing it this way. Depending on the exact terms, you might be able to fit in a conditional clause on the scammer only receiving money while they're married. Which she shouldn't oppose, since it's the plan; but a scammer would oppose.