I believe it's got a lot to do with the Dunning-Kruger effect because this scam gives the illusion to the victim that they are the one who's actually doing the

I believe it's got a lot to do with the Dunning-Kruger effect because this scam gives the illusion to the victim that they are the one who's actually doing the scamming. When victims of this kind of scam see an opportunity that they'd be making money off of a "very stupid" offer they jump on it. In some cases though the scammer is forced to employ tactics to speak to victim's emotions by inducing guilt or pity but otherwise it's just plain stupidity powered by internalized intelligence.