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Let’s be honest, when we hear stories about falling for e-mail lottery schemes or phone call frauds, most of us shake our heads in disbelief at how gullible some people can be. But the truth is that not a single one of us is immune to being tricked, no matter how smart or savvy we may be. After all, our daily lives are full of seemingly innocent services and products that are just sneaky ways of luring us with promises and scamming us for every penny they can.

Thankfully, Redditor Doctor_Engineer recently decided to arm us with knowledge about the biggest gambits we should look out for. They reached out to fellow members of 'Ask Reddit' with a short but interesting question: "What is 100% a scam?" Needless to say, the thread immediately became a hit.

From questionable "free" seminars to multilevel marketing companies to malicious phishing tactics, people wasted no time in reminding us that we should never let our guard down. We at Bored Panda scoured the thread and gathered some of the most memorable responses to share with you all. So continue scrolling, upvote your favorite ones, and be sure to share your own takes about the big fat frauds that need to be exposed below in the comments.

#2

Tips. Companies need to pay people fair wages. Period.

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Bored Panda reached out to Paul Haskell-Dowland, a Professor of Cyber Security Practice at Edith Cowan University, Australia, to find out how to become better at staying safe online. According to him, the most commonly reported type of scam globally is concerning phishing.

"In a phishing scam, criminals attempt to obtain personal information or credentials through deceit (e.g. pretending to be the victim's bank). While these types of scams tend to be highly ineffective at the scale they are reported, they do still generate revenue for the criminals behind them," the professor explained.

Other frequent schemes people tend to fall for are investment scams. They can be highly lucrative as they often have the highest cumulative losses and prey on our optimism for unrealistic financial returns, Haskell-Dowland argued. "Often coupled with an element of a romance scam, criminals are befriending and manipulating their victims before introducing the opportunity for fantastical profits."

"Globally, scam losses are estimated in the order of tens of billions ($) but individual losses vary tremendously. Most scams don't get reported, so, the actual cost is likely significantly more — under-reporting is often attributed to feelings of embarrassment and shame."

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#5

Working 40 hrs a week until you are 65 so you can finally enjoy life.

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Amy S
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1 year ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

65 if you're lucky. And by that time you're kids have moved out and don't want to spend as much time with you, and your health is shot so you can't enjoy the things you want to.

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Den Ver
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1 year ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Working less than 46 hrs./wk or 2250 hrs./yr. if you are lucky. In America, you can retire with Greatly Reduced Social Security income at age 62. Q1: What age do most Americans retire? A1: Age 62. ... Q2: Why would anybody accept 30% less money each month for the rest of their life when they just have to work 6-12% more hours over the course of their lifetime? A2: Because they have been so overworked ... they ... just ... can't ... do ... any ... more.

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Featherytoad
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1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Life is a scam. You spend all your time working when your young and then spend all your time going to doctors when your old.

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Pangolin Pal
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Damn, that actually sounds pretty sweet to me. I'll be 65 in a couple of weeks, but it won't change a thing -- I can never, ever afford to retire. I'm just grateful I have a job that involves only writing and brainwork, not standing and lifting and other physical labor, which I'm already too disabled to do.

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Sarah
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Right? Retiring at 65 would be a dream! I'll likely die peacefully, of old age.... at my desk.

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Lou Cam
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1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I'll have paid off my mortgage at 72, at which point I expect there's no state pension anymore and I'll have to sell the house to pay for my living expenses and/or care home. Something to look forward to.....

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Den Ver
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I analyzed the state pension SCAM. It's posted somewhere in this comments section.

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kitteh floof lover
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1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

my husband and i planned ahead when we married at 20 yrs of age, to retire at 55. we retired at 55 and 18 months later he was dead from a brain tumor. don't wait to enjoy life!

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Panda-riffic
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Working ONLY 40 hours a week? SMH. I worked well over 50 hours a week for more than 20 years and only got paid for 40. (salaried job in the US - exempt from overtime pay).

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Bubbles and sparks
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

This.... I read this so many times, how is that even possible to work overtime and not getting paid? You're living in the wrong country... That shite wouldn't fly in most of Europe's countries... I'm sorry you don't get paid what you deserve...

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Ed Kramer
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1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I'm still working half time at 74, can't afford to retire.

denver_3 avatar
Den Ver
Community Member
1 year ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

That is 92,000 hours before you can "enjoy life". Of course, by that time most people are so burned out there isn't much life left to enjoy. I will say, due to improved emphasis on health and modern medicine, this isn't as bad as it used to be. My sedentary grandparents at age 65 were like my parents at age 78.

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David Henry
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1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Naw, at 65 the govt begins finding ways to scam them outta their money.

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Den Ver
Community Member
1 year ago (edited) DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Here is the current SCAM: In states that have their own Public Employee Retirement Account/System (PERA/PERS) - INSTEAD of Social Security (recipients do Not get any S.S.) ... the cost-of-living/inflation has increased 10% in the past year, but their adjusted income will only go up 1%. These retired state employees will only have the equivalent of 1/2 of their original income when they need to pay for assisted living. (The Current avg. payout is $40K/yr. and its taxed 20% by Federal Gov't & State ... so really $32K/yr. ... and getting smaller every year.) This isn't enough to pay for the care they will need. Desperate people will do desperate things.

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Minath
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1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

One of the main employers in my little town is a factory that never stops running, so staff have to work rotating shifts. You won't find anyone over 75 that worked there, so many staff retire and are dead within 5 years. Shift work is not good for you.

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Shannon Veillon
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1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

preach it! I have worked for over 20 years at the same place but cant retire until I'm in my 50's

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F C
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Well I enjoy my life. Your job doesn't have to be tje bane of your existence.

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Liz
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

its not 65 anymore, it's 70. and as my boomer mom best said to me as she shrilled at me when she wanted to retire at 60 with NO SAVINGS OR PLAN, "you expect me to work until I die." no, your gen expects everyone under 40 to.

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Pan Paweł
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

How else would you like to feed ~8bln people living in a variety of conditions on a reather small rock flying through space?

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Eff the haters
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

40hrs can be long or short depending on the job. I work at least that weekly (7am-4pm) and it doesn't seem all that bad. But I guess if you hate your job it's a little different lol. I live in USA but I'm only sixteen so I don't have to make a living.

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RyanRyanRyan
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Work is a scam? Everyone should enjoy life without working? People are living much longer now; they're retirement is a larger portion of their life. Normal retirement age may be pushed up as people live longer. Bring on the downvotes, but think about it.

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MorgothBauglir
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Blaming all your problems on Capitalism again? When you realize that under Capitalism, the world saw the greatest leap in prosperity in all of human history? Astronomically low deaths from lack of clean food and water, low poverty, low deaths from curable diseases, high life expectancy, high literacy, etc? Do you not want that?

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Jordi Sharpe
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1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

65! Ha! My sister and I are both convinced that we'll never get to retire.

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DennyS (denzoren)
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I'm 34 and I'm absolutely fed up but too poor to stop. I really want to work on kickstarting my woodworking hobby so that can hopefully support me while I try to enjoy what little time I have left.

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Kathy Richardson
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

My husband worked until he was 79 and only quit because he was laid off. Now he stresses that his Social Security and pension are not enough. Medicare doesn't really pay much so he pays $400 a month for supplemental insurance. With inflation the way it is now, unless you are able to save tons while you are young, I'll be surprised if anyone can actually retire at all in the future.

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#6

30 Things Which Are In Fact "100% A Scam" Yet Most People Don’t Realize It, As Shared In This Thread Essential oils, and anything claiming to "detox" you, like you don't already have a liver.

jinkies3678 , Magda Ehlers Report

It’s hardly surprising, as anyone who has ever clicked on a link they shouldn’t have knows the sinking feeling they get once they realize their mistake. But it turns out that they are not alone, and many people can relate to this feeling. As 2021 research conducted by the company Tessian shows, employees receive an average of 14 malicious emails annually. Moreover, another study surveyed employees across the UK and the US and found that 43% of employees said they had made mistakes at work that had resulted in cybersecurity repercussions, while 47% of people working in tech admitted to clicking on a phishing email.

Small wonder, since phishers' tactics have become more sophisticated over the years. They can now easily access data from social media and personalize their messages to make them seem more convincing. One way they lure people into believing their claims is by using our sense of fear. "People fall for scams when they are afraid of potential bad consequences," Cleotilde Gonzalez, a Research Professor of Decision Science at Carnegie Mellon University in Pittsburgh, Pennsylvania, told us.

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"For example, a very common type of scam comes from authority or the 'halo' effect: when people receive an email from their 'boss' asking for help, or when they receive an email from an important organization e.g., 'IRS'."

#7

trickle-down economics

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#8

30 Things Which Are In Fact "100% A Scam" Yet Most People Don’t Realize It, As Shared In This Thread Mega Church tithing.

invalidpassword , Akira Hojo Report

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#9

30 Things Which Are In Fact "100% A Scam" Yet Most People Don’t Realize It, As Shared In This Thread The credit score system.

How it should work: pay back loans early/on time, higher score. Don't pay back loans or pay back late, lower score.

How it actually works: Pay back a loan too quick, score goes down. Open an account, score goes down. CLOSE an account, score goes down. You even ask for a copy of your credit report, your score goes down. It's ridiculous.

It's not about your reliability, it's about how profitable you are to creditors looking to milk interest payments as long as possible.

MoochtheMushroom , Dylan Gillis Report

Another reason people fall for scams is because they are trying to avoid a loss. "For example, trying to maintain a subscription rather than seeing it 'expire' based on a scam, people might take unnecessary risks." And the last yet important factor that affects our decision-making, according to Gonzalez, is greed. "People fall for scams because of their desire for something, usually getting some wealth, money, or other benefits. For example, when they receive a potential to win a lot of money, or a 'free' something if they click on a link and provide their personal information."

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#10

Diamonds... engagement rings in general as well. What a racket.

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#11

The Jehovah's Witness religion. Its definitely a cult, I was raised in the religion until my 20s.

Dont recommend joining them

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ADJ
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Every religion is a kind of cult. Maybe someday we will be able to get rid of them.

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#12

30 Things Which Are In Fact "100% A Scam" Yet Most People Don’t Realize It, As Shared In This Thread Anyone - A-N-Y-O-N-E - promising to teach you the secrets of becoming wealthy at a free seminar.

I have a family member that got sucked into the Kiyosaki b******t vortex. It's a damn cult.

throwaway3544219 , wikipedia Report

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Monday
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Well they do teach you the secret....the secret is starting your own cult and brainwashing people into giving you money!

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Professor Haskell-Dowland pointed out that when it comes to people who are vulnerable to scammers, we usually believe that older individuals are most likely to be targeted and fall victim. In reality, that’s not always the case. "Everyone is a target," he said. "Cyber criminals and scam artists are not interested in age or gender, it is only money that matters."

Gonzalez agreed with this line of thinking, saying that phishers, in fact, aim to scam anyone. "There is also a particular type of phishing that is called 'spear phishing' that targets high-level, important people in organizations so that they can get their credentials." This method uses targeted words toward a specific individual or group within an organization seeking unauthorized access by purporting to be from a trusted sender.

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"But generally, phishers try to target everyone," Gonzalez added. "The issue is who falls for their phishing techniques. These are usually people that are in a vulnerable state of mind. For example, during the heavy time of COVID, scammers targeted people with claims regarding COVID benefits, or solutions, to try to address many people that were suffering from the illness or those that had lost people to the illness."

#13

Payday loan businesses. Straight up predatory legal loansharking. It’s gross.

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Will Cancel
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

There was one on an Indian reservation, (they finally pulled it from TV), but it offered a loan at 100% interest. No joke.

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#14

30 Things Which Are In Fact "100% A Scam" Yet Most People Don’t Realize It, As Shared In This Thread Low stakes but bikinis. There is no way that little fabric/stitching should be like $80 for each individual piece 🥵

Girlrockpearl , Pixabay Report

#15

30 Things Which Are In Fact "100% A Scam" Yet Most People Don’t Realize It, As Shared In This Thread Kids iPhone/iPad games. My kid is downloading these “free” games that constantly ask her to buy an extra skin or a treasure box of thousands of coins to upgrade and keep playing. It’s really scummy because they know exactly who their audience is, children who have no concept of money.

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Monday
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

And then they proceed to show Pokemon Go whose target audience was adults and teens who could easily travel around by themselves or in friend groups....Wouldn't something like Clash of Clans have been a better choice?

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When faced with an immediate threat that urges people to instantly take action, it can be hard to think clearly. But if you want to become better at noticing scams, professor Gonzalez said the most important tool is awareness of the cues of features that would suggest you’re looking at one. "We have been developing various techniques for training people in organizations by providing experience with emails of various kinds so that they learn the characteristics of scams." These include analyzing the links, stopping before clicking on links, reviewing the senders' information, and being aware of the above-mentioned biases: fear, loss aversion, and greed.

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#16

30 Things Which Are In Fact "100% A Scam" Yet Most People Don’t Realize It, As Shared In This Thread We can’t give you a raise yet because (X), but if you work hard and prove your competency, there will be a raise next year.

deja_vuvuzela , Lukas Report

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troufaki13
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1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

"We can't give you a raise because times are tough right now and there's not enough profit. Be glad to even have a job" *proceeds to buy a multimillion euro property*

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#18

Homeopathy. Watering something down to the point you may not even be able to detect a single molecule of the 'active' ingredient is not medicine. It's a circus attraction and there is a sucker born every minute.

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Helen Waight
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1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Drink water for the same effect as any homeopathic ‘treatment’. It’s the same thing!

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Once you know you have encountered a scammer, you can determine your next steps. One way to react is to call them out: "[It] can be very satisfying, especially if you can string them along for a while," professor Haskell-Dowland said. "If you can occupy the teams behind the scam (and have the ability to maintain an objective mind) you will be occupying their resources (effectively denying them revenue) — i.e. you prevent them from scamming someone else."

The safest option when you recognize a scam, however, is to ignore it. "The average recipient of scam messages would be best served by simply deleting the message. Never use unsubscribe links, phone numbers, etc. as you are 'verifying' that your contact details are genuine and potentially you will end up receiving more scams (as your details will likely be more extensively shared/traded). If you recognize the scam 'after' you have fallen victim, then report it as soon as possible," Haskell-Dowland suggested.

The professor reminded us there is no shame in being scammed. "Everyone is a target and the criminals behind these scams are only interested in maximizing profits. These scams only continue because they have invested significant amounts of time, effort, and money into convincing us to do things we wouldn't normally do."

#19

30 Things Which Are In Fact "100% A Scam" Yet Most People Don’t Realize It, As Shared In This Thread Pretty much all youtube ads these days. If it starts with "this one trick can" or anything like "doctors hate this" doctors hate it because they have to explain green tea doesn't cure typeone diabetes. Tbh its flat out dangerous false advertising but youtube doesn't care.

neoben00 , freestocks.org Report

#20

Most products peddled by influencers, hence the need to influence people into buying s**t

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ADJ
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I am old enough to not understand who the f...k is an influencer and why is he/she infuencing anyone.

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#21

Designer and most luxury brands.

You're paying considerably more money for an often worse product all to show off to some of the worse people society has to offer. Shallow, materialistic, and empty people.

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loty moty
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1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Meh. The purpose of a luxury good is to be exceptional through craftsmanship, design and materials. If it fails to deliver then it's a bad product but there are plenty of excellent luxury products that are worth the price. Would you call people who buy art shallow, materialistic and empty?

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We also managed to get in touch with the person who sparked this conversation in the first place, Redditor Doctor_Engineer. They told us that the idea to ask this question on 'Ask Reddit' came because they find the community to be the perfect place to learn more about people, their lives, and the world in general, "which I think is what the internet should be all about. So asking this question was my way of learning about different experiences and creating a pool of information anyone can benefit from."

However, they were surprised to see the question get the attention it did. "I am guessing this is people’s way of warning one another about these situations that could promise you things, then after taking your money or time leave you with nothing but heartbreak and anger. So go ahead, check the comments — these are the things people are warning you about because they are 100% a scam."

#23

Nazism and all the similarly crazy racial supremacy ideologies. Not only do they sell on ideas that are demonstrably false (that certain ethnicities are both an omnipresent enemy that controls the world and cause everything bad but who also are in all ways inferior to the "master race") but if they ever win - congratulations loyal brownshirt, you are now a peon under a regime that uses extreme violence to solve issues both real and imaginary. Nothing to gain and everything to lose.

Ornery_Marionberry87 Report

#24

Multi-level marketing. We see it ruin families and turn people into vapid shells of their old selves all the time, but somehow these schemes are still up

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When asked to share some responses that stood out to the Redditor, a few immediately popped into their mind. "Some guy got a call and people tried to sell him duck cleaning and he doesn’t even own a duck. So that could be a sign," they said jokingly. "There were so many comments about Instagram scammers pretending to be sugar mommies and promising to pay off your debt, multi-level-marketing, religions, and religion-related scams, crypto, jobs promising raises year after year and never giving any," and many more.

As Professor Gonzalez told us, if it’s too good to be true, it is most probably not true. What are your thoughts on the biggest and most common scams people fall for these days? Have you ever encountered a scammer or know any stories you would like to share with us? Let us know all about your experiences in the comments, we’d love to hear them.

#25

Paying for college in the United States.

College tuition is a full-on scam in the U.S. The thing I hate about the current educational system in the United States is that it is designed to put a college student in debt. As of 2022-2023, the average a student can expect to pay for one year's in-state tuition, school-related expenses, and fees is $25,707 at a four-year state university, and for an out-of-state student it's $43,421. As of 2022, the maximum amount of Federal Pell Grant money a student can get [per year is only $6895. That leaves the in-state student with $18,812 they have to cover somehow--and that almost always means borrowing the money. As a result, it's common to see a student graduate college with a bachelor's degree, and well over $50,000-$60,000 in debt that they'll have to start paying off about six months after they get out of college. The government knows this, and the lending institutions know this. Students are actively getting screwed by this system.

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#26

30 Things Which Are In Fact "100% A Scam" Yet Most People Don’t Realize It, As Shared In This Thread Work 110% at your job and you will be successful.

Yeah you'll be successful alright doing the work of 3 people while the people who don't work as hard get promoted because you are too valuable in your position.

NoSpray2890 , Alex Kotliarskyi Report

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Will Cancel
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

This USED to be true. But in todays world. the ONLY way you get ahead and promotions, is to find new jobs at new companys.

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#27

30 Things Which Are In Fact "100% A Scam" Yet Most People Don’t Realize It, As Shared In This Thread Online dating services with monthly subscriptions. Any business that gets more money by failing than succeeding will be designed to fail, succeeding *just* enough to make users feel as though they can succeed. Basically the same principle as casinos.

IndigoFenix , cottonbro Report

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censorshipsucks
Community Member
1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

I despise all of them. There are very few with sufficient filters to filter out people you would never want to meet. Specifically in my case, christians. Sorry, they just want to preach to you and try make you into one, they will never leave you alone. That's my experience in my country, maybe elsewhere they're less intrusive. Point is, tinder in particular: no, you can't filter them out. Such a pity, because you swipe over like 1000 people per day and every single one is religious. Ugh.

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#29

30 Things Which Are In Fact "100% A Scam" Yet Most People Don’t Realize It, As Shared In This Thread Hot singles in your area

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#30

Astrology

csabiakiraly69 Report

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Monday
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1 year ago DotsCreated by potrace 1.15, written by Peter Selinger 2001-2017

Hey Astrology is great! You show it to a preteen and their friend group and suddenly you don't have to wonder what to buy them for their birthdays for the next 6 years because they'll take anything with their star sign on it!

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