Education can only do so much. And, really unfortunately, as people age their brains don't work as well as they once did in their youth.

That's the primary reason why so many scammers target old people. It's less to do with education and more to do with the fact that as people age they become naturally more trusting.

When does that start. Because at 60 I'm far less trusting than I was at 30. Seen too much of the worst of people and less and less of the best.