> the main problem really is [...] no fraud protection It's a problem for the victims, but I don't think it's why there's a scam epidemic in Sweden - scammers

> the main problem really is [...] no fraud protection It's a problem for the victims, but I don't think it's why there's a scam epidemic in Sweden - scammers don't care if you get reimbursed or not. I believe the root issue is the ease and speed of transactions - it's easy to get fooled in a moment of confusion, and before you realize what happened, the money is out of reach of the authorities - as cash, crypto or in foreign accounts.