Name: 全球金融詐騙年年創新高，為何人會不斷陷入金融騙局？ (Why People Fall for Financial Scams)
Uploaded: 2025-07-31T13:32:09.000Z
Duration: 7 min 1 s

程度副詞

Maybe you think you're pretty savvy about scams.

也許你認為自己對騙局很瞭解。

You don't answer calls from unknown numbers or open emails you don't recognize.

不接陌生號碼打來的電話，不打開不認識的電子郵件。

You research before you buy and you never give your personal info to some rando on a dating app.

你會在購買前進行調查，也不會把自己的個人信息透露給交友軟體上的某個浪蕩子。

But what about your parents or your grandparents?

The FBI reports that the average senior fraud victim lost over $33,000 to scammers in 2023.

聯邦調查局報告稱，2023 年，老年詐騙受害者平均損失超過 33,000 美元。

The agency collected over 100,000 reports from adults over 60 who were collectively conned out of over $3.4 billion,

該機構從 60 歲以上的成年人那裡收集了 10 萬多份報告，這些人總共被騙走了 34 億多美元，

and found that financial scams are on the rise in general with reports up 11% from the year before.

並發現金融詐騙總體上呈上升趨勢，報告數量比前一年增加了 11%。

But the scariest part, they might be using you to pull it off.

但最可怕的是，他們可能會利用你來達到目的。

A senior citizen gets a phone call from an unknown number.

一位老人接到一個陌生號碼打來的電話。

A panicked voice on the other end of the line says,

電話那頭傳來一個驚慌失措的聲音說，

"Grandma, I'm in trouble and I need your help."

「奶奶，我有麻煩了，我需要你的幫助。」

This supposed grandchild says they are in jail or they've been in a horrible car accident and need their grandparent to wire money right away and bail them out of a bad situation.

這個所謂的孫子孫女說他們在監獄裡，或者他們遭遇了可怕的車禍，需要他們的祖父母馬上匯錢把他們保釋出來。

More sophisticated scammers may have looked up details about their target's family members' names and locations online, or even use generative AI tools to mimic a loved one's voice.

更老練的詐騙犯可能會在網上查找目標家庭成員的姓名和地點，甚至使用 AI 生成工具模仿親人的聲音。

But often, all these imposters need is to play on a victim's sense of fear.

但是，這些詐騙犯往往只需要利用受害者的恐懼感。

If we want to keep grandma from getting scammed, first, we have to know what we're looking for.

如果我們想防止奶奶被騙，首先，我們必須知道我們在尋找什麼。

In addition to loved ones, scammers may also pretend to be a government agent, a customer service representative, or an employee of a victim's bank or credit card company.

除了親人，詐騙犯還可能冒充政府工作人員、客戶服務代表或受害者銀行或信用卡公司的員工。

These scams can affect people at any level of income, education, or financial literacy.

這些詐騙可能影響到任何收入水平、教育程度或金融知識水準的人。

In 2023, a financial columnist for The Cut infamously lost $1.5 million.

2023 年，《The Cut》的一位財經專欄作家損失了 150 萬美元，這也是臭名昭著的。

She lost $50,000 to scammers posing as FTC employees.

她被冒充聯邦貿易委員會僱員的詐騙犯騙走了 5 萬美元。

They used the names of real agents, spoofed phone calls to appear like they were coming from a real government number, and importantly, told her that telling anyone else what was going on could put them at legal and financial risk.

他們使用真實代理人的名字，詐騙電話，使其看起來像是來自真實的政府號碼，更重要的是，他們告訴她，告訴其他人發生了什麼事，可能會讓他們面臨法律和財務風險。

But fear isn't the only emotion that can be used against you.

但恐懼並不是唯一可以用來對付你的情緒。

Some scammers will start a dialogue with supposed good news.

有些詐騙犯會以所謂的好消息開始對話。

That could look like a text about a job offer.

這可能看起來像一條關於工作機會的簡訊。

The scammer asks for banking details in order to send payment, but uses that information to withdraw money instead.

詐騙犯要求提供銀行詳細信息以便匯款，但卻利用這些資訊取款。

Or they'll offer to help someone invest money in the stock market or in cryptocurrency, but ghost the victim after draining the investment account.

或者，他們會主動幫人把錢投資到股票市場或加密貨幣中，但在榨乾投資帳戶後，又讓受害者陷入鬼門關。

Scammers will even spend months developing what targets believe are real romantic relationships.

詐騙犯甚至會花上幾個月的時間發展目標相信的真正浪漫關係。

Once they're smitten, suddenly the fake romantic partner asks for money to handle an emergency or even go visit the victim.

一旦他們被迷住了，假冒的戀愛對象就會突然要錢來處理緊急情況，甚至去看望受害者。

你可以猜到接下來會發生什麼。

那麼，是什麼讓這些騙局如此有效呢？

Whether they're impersonating a loved one or the IRS, it's all about stirring up an immediate emotional reaction.

無論是冒充親人還是冒充國稅局，都是為了激起人們的直接情緒反應。

Amid these big emotions like fear, hope, and love, people don't always make their most careful decisions, and that's exactly what scammers are counting on.

在恐懼、希望和愛這些巨大的情緒中，人們並不總是能做出最謹慎的決定，而這正是金光黨們所指望的。

If you wanna protect your parents and grandparents from this kind of exploitation, the best strategy is not to try to explain the intricate inner workings of each and every scam,

如果你想保護你的父母和祖父母免受這種剝削，最好的策略不是試圖解釋每一個騙局錯綜複雜的內部運作，

but give them a simple three-step process to follow whenever they're contacted with an unusual request.

而是給他們一個簡單的三步驟程序，每當他們收到不尋常的請求時就可以遵循。

Scammers often create a sense of urgency, encouraging you to move quickly so that by the time something doesn't seem quite right, your money is already gone.

詐騙犯通常會製造一種緊迫感，鼓勵你儘快行動，這樣當事情看起來不太對勁時，你的錢已經不翼而飛了。

So pause before you answer a call or a text from a number you don't recognize.

在接聽不認識的號碼打來的電話或簡訊之前，請暫停一下。

You can always call someone back or respond to a message after you've had a second to get your bearings.

你可以在稍作調整後再給對方回電話或回覆訊息。

If someone claims to be a customer service representative or someone from your bank, for example, hang up and call the company directly.

例如，如果有人自稱是客戶服務代表或銀行工作人員，請掛斷電話並直接致電該公司。

You can also set up code words with your family in advance that you can use in the event of an actual emergency.

你還可以提前與家人設定暗語，以便在實際發生緊急情況時使用。

Sophisticated scammers will find publicly available information about you online, like your address or your family member's names, and spout them back at you in order to seem authentic.

老練的詐騙犯會在網上找到關於你的公開資訊，如你的地址或家庭成員的姓名，並向你吐露這些資訊，以顯得真實可信。

So try to pick a code word or phrase that isn't easily Google-able or that you haven't posted about on social media.

請儘量選擇一個不容易被谷歌搜索到或你沒有在社交媒體上發佈過的暗語或短語。

And if an online friend or potential romantic partner starts asking for money, try doing a reverse image search of their photos to make sure they aren't using stock photos or stolen images from someone else's social media accounts.

如果網上的朋友或潛在的戀愛對象開始要錢，請嘗試對他們的照片進行反向圖片搜索，以確保他們沒有使用庫存照片或從別人的社交媒體帳號上盜用的圖片。

And finally, most importantly, talk to someone.

最後，最重要的是，找人傾訴。

Let your parents and grandparents know that you are available to help them sort through any confusing situation.

讓你的父母和祖父母知道，你可以幫助他們解決任何困惑。

Whether they're afraid they're in trouble or head over heels, checking in with a friend or family member who isn't in such an emotionally heightened state can help them evaluate the situation more objectively.

無論他們是害怕自己陷入困境，還是對生活失去信心，與情緒不那麼高漲的朋友或家人溝通，都能幫助他們更客觀地評估情況。

And if someone tells them that they shouldn't speak to anybody about what's going on, that's a red flag that they definitely should.

如果有人告訴他們不應該跟任何人說發生了什麼事，那就說明他們絕對應該說。

If you or someone you love does fall victim to a scam, don't let shame or embarrassment stop you from talking about your experiences because you may be able to help other people avoid the same scam in the future.

如果你或你所愛的人確實成為了騙局的受害者，不要因為羞愧或尷尬而不敢談論自己的經歷，因為你可能會幫助其他人在將來避免遭遇同樣的騙局。

In the 90s, when email was going mainstream, a scam where an email sender claiming to be a Nigerian prince was so common, it entered the pop culture lexicon as synonymous with scamming itself, which made it so much easier for targets to spot.

在電子郵件成為主流的 90 年代，電子郵件發件人聲稱自己是尼日利亞王子的騙局非常常見，它已經進入流行文化詞典，成為騙局本身的代名詞，這讓目標更容易識破。

Maybe bogus crypto investments will be the next to go.

也許下一個倒下的就是假的加密貨幣投資。

While that tactic is still on the rise, it's been widely publicized in the media, likely helping some people recognize it before they can get sucked in.

雖然這種伎倆仍在增加，但媒體已經廣泛宣傳過，這可能有助於一些人在上當之前識別出來。

You can report a scam to the FTC and the FBI's Internet Crime Complaint Center so they can track and report these trends.

你可以向聯邦貿易委員會和聯邦調查局的互聯網犯罪投訴中心報告騙局，以便他們追蹤和報告這些趨勢。

Despite this stereotype of vulnerable elders,

儘管人們對弱勢老人有這樣的刻板印象，

Gen Z was actually the most likely to lose money to scams in the past year, according to a bank rate survey.

根據一項銀行利率調查，Z 世代實際上是去年最有可能因詐騙而損失錢財的一代。

It may be because fraudsters use techie tools like generative AI or cryptocurrency wallets to pull off their heists,

這可能是因為詐騙犯使用了生成式 AI 或加密貨幣錢包等技術工具來實施詐騙，

but the real reason scammers are successful is because they appeal to what's most human about us, our desires for security, connection, and love.

但詐騙犯成功的真正原因是他們迎合了我們最人性的一面，即我們對安全、聯繫和愛的渴望。

But every time we use those same skills, every time we break through isolation and look out for each other, it gets easier to keep each other safe.

但是，每當我們使用這些相同的技能，每當我們衝破孤立、互相照顧，保護彼此的安全就會變得更加容易。

Thanks to our patrons for keeping Two Cents financially healthy.

感謝我們的贊助人讓 Two Cents 保持財務健康。

Click the link in the description to become a Two Cents patron.

點擊說明欄中的連結，成為 Two Cents 的贊助人。