> Because she's at home by herself and there's a scary guy demanding money and telling her a BS story about how she owes it. You're right, I can see how that c

> Because she's at home by herself and there's a scary guy demanding money and telling her a BS story about how she owes it. You're right, I can see how that could happen. If she paid the money under those circumstances, she might have tried calling the cops; the prospect of the locksmith's being prosecuted for robbery, or maybe extortion or fraud, might have gotten her her money back. (Disclaimer: IAAL but I know very little about criminal law.)