> disavowing responsibility. Look, if someone comes to my house claiming to be raising money for charity and I givethem money, the following statements can all

> disavowing responsibility. Look, if someone comes to my house claiming to be raising money for charity and I givethem money, the following statements can all be simultaneously true: 1. I should take responsibility for checking that they represent a genuine charity; 2. If they are a genuine charity, I should take responsibility for checking that most of my gift will go towards the recipients of the charity and not to operating the charity itself; 3. They should take responsibility for being truthful about who they represent and where the money is going. Responsibility isn't a zero-sum game. We can encourage everyone to have more financial literacy and awareness of scams and frauds while simultaneously holding grifters responsible for their crimes. I'm not taking either position here, I'm taking both positions. See also "the difference between advice for individuals and codes of conduct for communities." Our personal advice is to protect yourself from fraud. Our society's code of conduct is, "don't commit fraud."