[chowells]

> It would be "compassionate", but it would also encourage people to make risky and stupid decisions. Tough love I suppose.

What you call tough love, I call inflicting trauma that makes everyone worse off. No one should ever risk being destitute. There's no societal benefit to risks with a downside of total loss.

And that's why I think your comment of blind faith was a non-sequitor. I'm not advocating for blind faith, I'm advocating for informed faith. I think we should have an informed assumption that the risk in a scam is on the part of the scammer. When something blows up, the scammer pays. Let's go ahead and reward people for blowing up scams from the inside.