The problem is, the people being scammed are convinced what they are doing is necessary. When our system prevents a grandma from buying $500 of iTunes gift card

The problem is, the people being scammed are convinced what they are doing is necessary. When our system prevents a grandma from buying $500 of iTunes gift cards at Target because it is clearly a scam, they will call our customer support help line and beg us to help them "get their niece out of jail" or whatever bullshit has been fed to them. We literally have to fight them to help them not be scammed. By the time you are sending someone money, you "trust" them.