The Naive Dilemma: The Price of Being Excessively Cautious in a World of Scams
The Emotional Impact of Deception
Which scenario would be more distressing: losing $100 to a pickpocket on a bustling street or donating the same amount to a charity only to find out it was a scam? For many, the latter is more troubling. Being deceived by someone in whom one has placed trust elicits feelings of outrage and betrayal. Research into cybercrime has revealed a range of mental and physical health effects experienced by scam victims. While scepticism is undoubtedly beneficial—especially in an era where online fraud is becoming increasingly sophisticated—studies indicate that an excessive fear of being deceived can also have detrimental consequences. This heightened anxiety can distort decision-making and behaviour, leading to implications that are often undervalued in legal, publ...










