[IIAOPSW]

>As these frauds get more sophisticated, it won't just be "dumb" money getting burnt.

legit question, has there ever been an online scam that isn't obvious after an hour of research?

rhetorical question, is it reasonable to expect people to do an hour of research before "investing"

>The answer to "someone stole this from me" isn't "well you shouldn't have been so dumb"

Sometimes the answer really is "you shouldn't have been so dumb". "People shouldn't steal" is not a blank cheque to be negligent.