The more technology and communication progress, the more scams are thriving. It has become easier for scammers to reach potential victims and carry out their schemes. From phishing emails to fake online stores, there are countless ways that scammers can take advantage of people who are not cautious.
However, while it is always important to be wary of scams, it is also important to not jump to conclusions and assume that everything that seems too good to be true is a scam. It is important to do research and be cautious in order to avoid scams and find legitimate opportunities that you wouldn't want to miss out on. Lots of people these days assume that everything online is basically a scam, which is why this Redditor wanted to know: "What do people think is a scam but they just don't understand?" and people gave some great answers on this topic that might give you some really important insights.
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Socialized Healthcare, apparently. "but I'm not sick and I don't wann apay for other people and never use it" blah blah blah. You could fall flat on your face and second and need 500 bucks worth of stitches and painkillers. You can get run over at no fault of your own. You can have a fricking aneurysm. Getting regular checkups is even gonna bring your premiums down, the insurance would rather pay 50-100 for a yearly dental checkup than 15k in prosthetics because all your teeth rotted out because you didn't see anyone in 10 years.
Why is the concept of socialism so scary to some Americans? What's so bad about it? Being able to rely on the community? If I get sick, I don't bankrupt myself. If I lose my job, I won't lose my home and can still live a frugal, but dignified life.
I would rather live a life with a lot of security and all the same options than a life with 0 security but "mah freedomz". Medical debt bankruptcy is not freedom.
yes the rest of the world is sitting and watching you guys like it's a reality show.
Prof. Robert Kerton, Former President of the American Council on Consumer Interests, gave us some important tips for noticing scams: "The most brilliant warning light flashes when the unexpected phone or online contact explains why you must not contact anyone about the issue. You are about to be scammed. That warning light 'Do not contact anyone' means you are at serious risk. Don’t hang around, hang up.
Often the caller has a tried-and-true way to frighten you into submission. A different strategy is a promise to get rich quick. Don’t ask questions: disconnect. Your questions are predictable. Scammers have effective tactics - based on their experience - designed to get you to provide cash, or access to your bank account. If you are habitually polite, say 'No thank you' and hang up."
Vaccines and vaccination.
Not me, but those who are anti vaccination really have no understanding of virology, immunology, epidemiology or how to assess relative risk. They probably fall into many of the other things that they “think is a scam but they don’t understand.”
I have met people who had little to no education and knew how vaccines work(not everything scientifically but how they can prevent sickness). And then there are people with higher education denying the efficacy of vaccines(some of them work in the field of medicine). It's unbelievable!
Everyone keeps telling me the Nigerian prince that’s been messaging me for the last week and a half is a scammer but they just don’t understand our love.
We asked Redditor Balisto2222 (Twitch) what they think is a scam and why people think things that are not scams are: "From my understanding, a scam is an electronic or analog bait to fool people into trusting the baiter with valuables (information, money or whatever). People are either unfamiliar with the meaning of 'scam' or get suspicious too quickly."
Therapy. People just can’t fathom that just talking to someone who is not involved directly in your life can really help with processing and resolving a problem. You only get out of it what you put in.
I didn't realise how damaged I was until I had therapy, I thought I was just a stupid and worthless person. It helped me understand the causes of my hidden but self destructive tendencies. If in doubt please try it!!
They also gave some advice for not falling for scams: "THINK. BEFORE. DOING. It's the most effective way to not fall for scams or even receive scams in the first place. Mainly consider: 1) is there anything suspicious about the 'scam'? (ex. any private information you need to enter, do you have to do something on an external medium like a website or download, etc.) 2) Where does the "scam" come from? (Do you know the issuer, is the issuer's account/contact information legit, how long has it been active, etc.) 3) Is the motive of the bait itself suspicious in any way (too good to be true, simply unnecessary or excessive, etc.).
To prevent potential scams or any harmful threats towards you, simply don't give away any contact information, whether on the internet or literally publicly. Sure, you may be contacted randomly by scammers at any point, but this would prevent any scam directly directed to you."
I know I'm late to the party on this comment. But in America the sad answer is this is how people are stating to look at unions. People saying "I don't wanna pay union dues every month" even though my dues cost me less then 2 hours of work a month and my wage is more then double what I would be making non union and that doesn't count the benefits that aren't even supplied to non union guys in this trade.
I've posted about this before, but I'll repeat it again: People who hate unions don't realize that the 40 hour work week, which used to be 12 hours a day ,6 days a week, workman's comp, paid vacations and holidays, Retirement, and a lot more, are all benefits fought for by unions which then gradually passed on to most businesses, to the benefit of everybody, but try telling that to a republican, they don't want to hear about that Communist bulls**t.
For a depressing amount of the UK: the EU.
It's always refreshing to find out that the US doesn't have a monopoly on uninformed people who don't know how to think, you know, like Trumpers.
The Redditor also shared if they think scams will become more prominent: "Obviously as technology and insights about human behavior evolve there will be more and more scams that work in favor of the issuer utilizing those insights and technologies."
Declining pay rises because they think they'll pay more in tax and their take home will be less than before the pay rise.
EDIT: The amount of comments claiming it has happened to them is really disturbing. Learn how your taxes work people .
This one is undoubtedly an error from the OP who doesn’t understand how personal finance work for a lot of low wage workers. Taxes are not the only parameter. A pay rise might induce the loss of social supports, or the change of category for some benefits. Earning 10% more but losing your housing arrangement (rent control, public subsidies) for example may not be worth it.
My dad and online banking. You can check your balance, make transfers and even set up standing orders. "But my account will get hacked" is his response every single time.
They also shared some of the more popular scams they've noticed: "Probably did, likely forgot, if I'm being honest. At least, as I have been actively moderating on Discord for the past 1.5 years, I'll list off a couple examples of more subtle scams there, put as many as you wish in the article:
- Discord Nitro scam: someone from your friend list DMs you a gifted subscription to Discord Nitro, the link leading to a fake site that steals your login info once input and then uses your account to scam other people on your own friend list.
- Playtesting scam: Someone sends you a file or a link to a file, asking you politely to playtest the supposed game that, when run, hijacks your account, steals your information and uses all to further scam others.
- Steam report scam: by far the most popular scam lately, works by someone DMing you a fake screenshot of your account apparently scamming them, then telling you that they mass reported your account on Steam, if you believe them and continue talking the scammer leads you to another account of a supposed Steam moderator who sends you a link that gives them access to all your data if clicked.
- Cryptocurrency scam: widely popular on the internet and exists on Discord as well. Some account DMs you that you won some cryptocurrency and leads you to some external website or Discord server with an external verification process that hijacks your account and information."
Travel Insurance.
It was great when they arranged all travel from overseas apartment to our house when child broke their ankle on an internship. Paid all of the our out of pocket expenses, including our deductibles/copays until child was functioning.
edit—we’re American
Who doesn't take our holiday insurance? Like who leaves their own country to a foreign one without the guarantee that should anything happen (from lost luggage to broken leg to death) the costs are all covered? I went on a cruise in the summer and bad weather meant we couldn't dock in one port so it turned into a sea day (no big deal) and insurance meant we all got £150 compensation in my party for the trouble. You see so many people every year posting go fund me's because they or a loved one are stuck in a foreign country (or their body is) with an injury and a massive hospital bill and no way of getting home. All when they could have paid like £10 (so long as they have no medical issues but if they do then all the more reason to get insurance!!) for insurance and peace of mind. I will never understand the logic of not taking it out!
Modern medicine. Like Cleetus, we just want you to not spread COVID, it isn't gonna make you gay.
Maybe Cleetus is scared from becoming gay just because Cleetus already has gay feelings but tries to hide them, but that's a different topic.
Veterinary care.
People don't understand that I can't just dispense certain medications without seeing the patient first. Some of these medications could cause fatalities or worsen the situation if used/prescribed wrong!
NASA, physics and anything about the earth being round
The flat earth is the scam. Those people profit of the gullible and some of them know the earth isn't flat and still do it.
We had a gal in the telco who was retiring under a surplus - meaning they would pay her so much for each year she worked, in addition to her pension. She turned the money down because she didn’t want her taxes to be too high. I didn’t know her and heard about it after she left. The Union guys tried to explain it but she just would not listen. I don’t know if she thought it was a scam but she didn’t trust the IRS
It's pretty obvious that she's learned about the Deep State, probably from Qanon.
The repair industry. I worked in home repair, small engine repair and computer repair shops years ago. A lot of people expected us to just fix things for free. Others would take it as an insult when we would quote prices or ask to be paid for a job. Send a bill and some people would ask why or what is this. Ask us why we were ripping them off even though the bill was itemized and the price was discussed before hand. It was a horrible industry to work in because of they way people are.
Have a friend who does this on the side. Sets up peoples smart tv’s, computers, stereo s for Bluetooth. They freak out when he explains he doesn’t do it for free. If you want someone to spend hours helping you do something that you can’t do yourself, you compensate them. Why do people think they should get stuff for free ?
My dad and step mom once freaked the f**k out because the census was at our door. They said, "she doesnt have a marked car. It's a scam" she had a badge and clipboard. Then my psycho step mom proceeded to get mad at me for opening the door. For the census.
Wearing a mask
I got Covid less than a month after the government removed the mask mandate (South Africa).
Pet insurance. Everyone freaks out because you have to pay for the services up front and then the insurance pays you back. Everyone I've talked to won't get it because "they won't pay me back!" Or "If I have to pay up front anyway, what's the point?" Look, when Fido gets cancer and needs chemo...you're going to be thrilled you will be getting that $6k back (or whatever it is).
We have a Boxer, and they are known for cancer. My first one actually did die of cancer. So, every year we have to pay for a physical and cancer screening. It's pricy, about $600 bucks. However, I get that money back every single time. Plus I have the reassurance that, if she gets sick, I'm covered.
I highly recommend pet insurance.
Again, not that people think it is a scam…people just can’t afford it anymore with inflation. I don’t know anyone that has $6k to drop at any given moment so pet insurance really doesn’t help them…
This is all wrong, pet insurance isn't like health insurance for people. You basically prepay a set amount through the premium and when you go to the vet for something you pay and then send the bill to the ins. They will pay up to the amount you pay into them annually. Its not really insurance its a savings plan.
Load More Replies... I'm probably going to get all sorts of hate for this, but if you are the sort of person who wouldn't put your animal through lengthy, painful and invasive treatments then paying pet insurance is paying for all the people that will. There are people who will spend tens of thousands of pounds having joint replacements all round on a horribly inbred dog that will be in pain for the rest of its life rather than admit that it has terribly poor quality of life. If this commenter is getting back more than their premiums *every year* then all the other premium payers are literally paying their bills. Put the equivalent money to the premiums aside in a savings account for when you need it, and don't buy an animal that is overbred to the point where its health will suffer. If boxers are so genetically messed up as to routinely get cancer, then why the heck are you supporting their breeding?
$600/year = $50/month... what's your phone bill cost? What's your internet bill? How much do you spend on pet food/month? What's your house/condo/apartment insurance cost?? It's really not that pricey when you want a pet, take a look at the general health issues they -could- experience and do the math.
You just answered your own question. With all the other necessary bills being so much money, that leaves little to no room for pet insurance.
Load More Replies... Bought By Many/Many Pets... you pay a higher price to start but the premiums NEVER go up. Five years ago £30 a month was a lot, today it is not (comparing prices to other insurers). I have two dogs and my oldest was insured with another company, before I had heard of Many Pets and his premiums are painful, especially now he is classified as a senior dog.
I'm lucky, my work's insurance includes pets for like $1.50 a week. So I got it for my cats. Haven't had to use it yet, but it's there.
The point of pet medical insurance for most people is the same as human medical insurance, so they don't have to pay large costs upfront. It doesn't really matter if it's some sort of refund situation when you don't have the money upfront to pay it to begin with. Rebates are cool but benefit the already wealthy.
I highly recommend not getting inbred pets that are prone to problems.
The actual scam is the price of any medical situation in the US for animals or humans which makes insurance a necessity unless you're wealthy because the costs are often arbitrarily decided upon.
I looked up the cost for my pets, looked at the rules for payout and deductibles and realized I could just put that money aside every month and just pay for it myself. We have always covered what we needed to this way. Not sure that would work for everyone, but it's something to think about.
Right now I din't have any pets but or most of my life I didn't I know you could get pet insurance until a while ago. If I ever did get a pet I surely would check into that.
Making two purchases. Everyone I know thinks they're going to pay more tax if they make two purchases, rather than two items in a single purchase.
It boggles my mind that they dont understand when I try to explain that "14% of $20, twice, is the same as 14% of $40"
Some members of my family think internet providers are scammers because they pay for 400mbps download and think they will get 400mbps download on each device even if someone is watching Netflix or downloading at the same time on another computer.
The stock market. Lots of people over worry about the short term, withdraw once it dips and never put back in. Never realizing the magic is in the long term
There was a time when my parents thought buying stuff online and paying with a credit card it's a scam, took me a while to convince them that if you know which sites are good to order from and which are bad, you can actually avoid scams.
Credit card points. Literally free money if you have an ounce of discipline.
I live off my credit cards, earn 3% cash back on every purchase and pay the balance off before the bill is due, credit can be a gift or a curse, just gotta know how to manipulate it
In the UK, student loans. Most know they are incredibly favourable, but I still see some talking about how bad they are. There is a minimum wage bracket to pay them back, you are only charged a percentage of the amount over the bracket you earn. For example if it were 10%, and bracket was £200, and you earn £220, you only pay £2. And the entire loan gets written off after 30 years.
Yes some people pay £300+ a month, but that's when they are earning over £100,000 a year. If their earnings stop or go down, so do the payments.
Mmm, I'm on the fence about this one, it depends on which plan you're on. Yes the repayments are low but the interest can be relatively high (the interest rate on my brothers student loan is more than twice the interest rate on my mortgage) but given that most people have no other choice if they want to go to university (and most universities charge the highest rate fees) its a bit of a monopoly. I'm almost 40 and it's only recently that the balance on my loan has started to go down even though I've been paying back for almost 15 years because the interest has been more than the payments. Also there are a number of different plans with different rules depending on when you graduated, mine will be written off when I get to 65, 44 years after I graduated, not 30.
Berea college. It's the only college in America that guarantees 0$ in tuition for every accepted student. When people hear that, they immediately think it's some kind of scam.
If it’s someone’s first time hearing of it I can’t blame them, it does sound too good to be real.
5G
But the 5G chip injected with covid vaccine really works people! My home Internet rocks now.
Airline / Hotel / Credit Card rewards. They take a lot of time and a 100% commitment to never, ever carrying a balance, but you can definitely earn a lot of rewards even without playing the churning games. The Flyertalk.com community is amazing for anyone wanting to get started.
Credit cards in general are not inherently bad. Honestly, I've been on both sides. When I was underemployed, things just kept coming up and I couldn't keep up, even though I tried. Now I primarily use a card through my credit union, always pay off the balance and cash out $25 for every 2500 points multiple times a year.
Buying a beginning band instrument, then buying a step-up instrument within a couple of years
You can sell the beginners instrument when stepping up. Who knows, until trying, if it will work out, if the person will be any good.
Note: this post originally had 53 images. It’s been shortened to the top 30 images based on user votes.
I love how all of the posts toward the bottom get progressively vaguer! XD
I had a woman ring me to tell me that I'd won first prize in a major competition. She was surprised that I immediately accepted the call as genuine. Normally, the people she rings think it's a scam. It isn't. Prize was worth about $10,000.
I'm convinced the "pay more in taxes" thing is actually because they don't understand the difference between exempt and non-exempt. They *think* they're getting less money because they're being taxed more, but in reality, they just stopped getting all the extra hours and overtime, and that's the real reason why their promotion and pay increase is actually netting them less money.
I love how all of the posts toward the bottom get progressively vaguer! XD
I had a woman ring me to tell me that I'd won first prize in a major competition. She was surprised that I immediately accepted the call as genuine. Normally, the people she rings think it's a scam. It isn't. Prize was worth about $10,000.
I'm convinced the "pay more in taxes" thing is actually because they don't understand the difference between exempt and non-exempt. They *think* they're getting less money because they're being taxed more, but in reality, they just stopped getting all the extra hours and overtime, and that's the real reason why their promotion and pay increase is actually netting them less money.
