Unfair comparison. In your example the neighbor is forcing rats onto my property through their poor decisions. That is not the case with them making risky finan

Unfair comparison. In your example the neighbor is forcing rats onto my property through their poor decisions. That is not the case with them making risky financial investments, and these scams are not some slippery slope that infect all of society. People are generally resilient against most scams after they encounter them once or twice. You could use your argument to justify government regulation for almost any decision that has consequences. This isn't 'social Darwinism', nor is it 'tough love'. It is about being able to make your own financial decisions without coercion and without obstruction If people choose to enter into poor 'investments' in a hope to get-rich-quick, that is their decision and they can live with the consequences