This isn't a response to anything specifically, but I'm frequently "amused" by people (newspaper site commenters) who think that they are to smart/savvy/etc. to get screwed by their bank/insurance company/telco/credit card company. Blaming the victim seems to be one of America's great sports, perhaps surpassing ice hockey, but it's incredible how many people think they are so smart that they are immune to the possibility of outright fraud.
You're not.
