Back when the Nigerian scams were the main way to get scammed online, I saw an interview with a Federal Police Officer. He said that often the people being scammed were quite successful in life, some having reasonable sized businesses. The problem he had was trying to convince the people that they were going to lose their money. They simply did not believe him. When asked about it, he thought that the people wanted it to be true and from that suspended logic or rationality. Religions have the same effect, it's called The Leap of Faith
