I need only to look at my spam folder and my 139 spam emails to realize that these scams are not few and far between, and that the scammers have been getting bolder and that a lot of thought and resources are being put into this. My financial planner emailed one scammer, saying, “it is more fulfilling to do good and honest work rather than scam people out of their money”. To his surprise, the spammer had the temerity to respond: “What if you finally get this fund, what should I do to you? Do you want your payment or not?”