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Cory Doctorow (@pluralistic) talks about how he got scammed and how it happened. https://pluralistic.net/2024/02/05/cyber-dunning-kruger/#swiss-cheese-security

This proves that scammers, skimmers, and phishers are winning the war no matter what we do to avoid getting screwed like this.

The main thing is that they're experts and very smart. I feel that we need to reduce our business transactions in the future unless companies and governments wake up and do something about this.