Feeling unsafe is probably not a free action though; as far as we can tell cortisol has a deleterious effect on both physical health & mental ability over time, and it becomes more pronounced w/ continous exposure. So the cost of feeling unsafe all the time, particularly if one feels less safe/more readiness than the situation warrants, is to hurt your prospects in situations where the threat doesn’t come to pass (the majority outcome).
The most extreme examples of this are preppers; if society collapses they do well for themselves, but in most worlds they simply have an expensive, presumably unfun hobby and inordinate amounts of stress about an event that doesn’t come to pass.
That’s pretty well tailored to the community here, but there are still some red flags. How would them sending money to you and you donating it to MIRI “accelerate the value”? Also, why would a legit matcher not simply want confirmation of your donation without them ever touching the money?
Not to mention, is it really this easy to use anti-fraud tools to perpetrate fraud?