There are always going to be bad actors in every environment and that is why it is advisable that people should always try to look for ways to keep yourself safe before anything.
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Some of them are very lazy as you said but really serious you have to be creative once you graduate you don't even need to expect much from your parents because they have done their own quartet if you can't get a job create something for yourself instead of going into crimeI guess it's because they are lazy individuals who always want to find easier ways of getting huge money with little efforts. And most of their victims are also lazy set of people who wouldn't want to work before getting paid.
I do not see any reason that a person that is able bodied would resort to scame,execpt for the issue of greed,moet persons would not want to start from the scratch and build their wealth.It just greed and wickedness I will say,like Nigeria now,it hardship,bad economy,resection, since scamming other is the only way to make money, they rather do that than to steal and be Stoned to death,I hope you understand.
Because diplomas or titles don't pay anymore, and scams do. I experienced this when earning my web design degree - I finally graduated only to find that my knowledge of web development was a few years out of date. Education can't keep up with the pace of knowledge anymore and is fast becoming a worthless pursuit.When I was interested in earning sites online, and I often encountered group forum sites, expressing their thoughts about their experience of being scammed by those high risk online investments, many times. And I wonder, why are they able to fool other people just to make money, knowing that they are educated for sure, because they can not create a website that is too organized if the person who is looking is not accustomed to that field, which they are usually the victims of. Why don't they just use it in a good and clean way to earn the diploma or title they hold? You may share your thoughts also about this topic.
When it comes to desperation and wanting to acquire wealth quickly, it doesn't select just a class of people.
Both educated and uneducated people can scam people.
It is all about greed.