I think, though, if someone were to do faux scams and return the money to the users in order to teach them the 'tough lesson' without the consequence of actual financial losses, that might help. Plus, it can act as scammer competition: with so many scams out there, once you start seeing the same things repeating, wouldn't you get much more suspicious about those 'huge money-making opportunities'? It could be argued that the loss of money makes the impact much more significant, but I don't see many people playing devil's advocate on this issue.