Yeah it’s a callous point of view because it assumes everyone has the same point of view and level of information. You used a heuristic that works sometimes and

Yeah it’s a callous point of view because it assumes everyone has the same point of view and level of information. You used a heuristic that works sometimes and fails sometimes and the real blame should fall on the person committing fraud and the agencies that failed to stop the fraud. Even if you could have avoided the situation other people would have still been victims.