Part of the problem is that it happens to people who have stuff to lose (because people with little to lose don't wind up sitting on 10k in cash or similiar).

Part of the problem is that it happens to people who have stuff to lose (because people with little to lose don't wind up sitting on 10k in cash or similiar). If this happened to people with nothing to lose there's be a big enough body count that we'd have solved it by now.