I honestly don’t know. Ability for scammers to get 1% success rater vs 0.01%, or susceptibility of 5% rather than 1% (wild guesses; it’s hard to find un-motivated stats) of the population could easily be a big enough change to break the world. I don’t know what things look like if single-digit percentages of adults can’t have a bank account or credit card without getting scammed.
I honestly don’t know. Ability for scammers to get 1% success rater vs 0.01%, or susceptibility of 5% rather than 1% (wild guesses; it’s hard to find un-motivated stats) of the population could easily be a big enough change to break the world. I don’t know what things look like if single-digit percentages of adults can’t have a bank account or credit card without getting scammed.