> Phishing and other scams prey on the vulnerable. And it would be wrong to assume that "the vulnerable" would be a disjunct group. People, i.e. everyone, wil

> Phishing and other scams prey on the vulnerable. And it would be wrong to assume that "the vulnerable" would be a disjunct group. People, i.e. everyone, will at one point or another find themselves in dire straits. When desperate, the threshold of what seems like a 'good idea', a way out of misery, will be lower. People tend to believe what they want or need to believe.