> imagine how easily our friends and family -- who are often far more vulnerable -- can be taken advantage of. FUD. Hackers and scammers exist, sure, but your

> imagine how easily our friends and family -- who are often far more vulnerable -- can be taken advantage of. FUD. Hackers and scammers exist, sure, but your friends and family are always most likely going to be victimized by friends and family. Outsiders have to work to collect intelligence, gain access and obtain your trust. Friends and family already have all three prerequisites. Bernie Madoff didn't become the most prolific con-artist in history by cold-calling strangers. And consider what demographic is most likely to try recruiting you into the latest MLM scheme.