Your poker analogy is also not really the same thing either. In the scammers case he's already made the decision that him having your money is better than you,

Your poker analogy is also not really the same thing either. In the scammers case he's already made the decision that him having your money is better than you, but also you haven't actually made a choice to part with your money at the front of the 'game'. In your poker analogy everyone who sits at that table understands the risk of being there.