The reality is that everyone alive is susceptible to these scams. No human is impervious to being victimized by these groups. They will pay good money for inf

The reality is that everyone alive is susceptible to these scams. No human is impervious to being victimized by these groups. They will pay good money for information to target people. Originally, some scammers would aim for early morning hours just as people are waking up, their brains are still groggy and vastly more susceptible to making an error. However, now that so much public information is available you can easily craft scams that are indistinguishable from reality. Scammers leverage this along with a common theme of "urgency" to minimize the time period that someone has to realize they are being taken for a ride. Understanding this, banks have crafted Zelle to pass the responsibility down to the customer. It was a very smart move (from the financial industry's perspective).