I think this might be a case of "Don't attribute to malice what can be explained by stupidity." In that, these people literally just want your money, they don't

I think this might be a case of "Don't attribute to malice what can be explained by stupidity." In that, these people literally just want your money, they don't care about helping or hurting you, for the most part, they just want to do business. Now if you're saying "Children are not old enough to do business with shrewd adults." That's very fair.