Hi Big Al,
You are absolutely right that anyone can be scammed, no matter how smart they my be or how cautious they may be, everyone is vulnerable to a scam and being taken in by it. It is easy to fall into the trap they set, and to be honest, after four years of recovery, with the help of many on this site, I realize life goes on, but in a much better way.
There is no right or wrong person that be caught in a scam, we - everyone - is a possible victim, and trying to put us in a category, of well you were an open book for a scam, is an incorrect assumption and very unfair, because if you look around daily, we are scammed at the grocery store, especially now at the gas station, those are all scams which we accept daily without even thinking about them....however, the scams that hurt the most are the ones that we have been a target for, particularly romance scams.
Scammers love the attachment when they glob onto someone, and especially if they can to their bank account. the 419's are a perfect example, or how about the grandmother scam?
Dr Phil hasn't a clue what a scam really is, he is too busy talking over the person who he is interviewing and telling them, why were you not more careful, why didn't you think???? blah blah blah
Want to know what it is like to be scammed Catfish, talk to someone who has been there and recovered from it.
A scammer is only as good as the fear he creates.