[kbenson]

Asking if they are sure it's not fraud is not necessarily preventing them from using the service. People with family in those areas will presumably know based on the wording that it doesn't apply to them. A notice that the person has to acknowledge seems a fairly innocuous defense mechanism.

[jandrese]

Even something as simple as:

Have you physically met and personally know the person you are sending money to? Are they a family member?

If you answered no to both of these questions STOP NOW IT IS PROBABLY A SCAM. If you wish to continue please consult with the teller.

[badminton1]

Under that criteria, 100% of eBay transactions would be scams.

[jandrese]

If you are buying a laptop off of eBay from Nigeria and they demand that you use Western Union to pay for it there is very close to a 100% chance that you are being scammed.