Thanks for allowing the 'freebies' to post. I have only briefly followed some of the posts here, but they seem to center around 'who is to blame?'
My feeling is that it is a struggle between 'evil and dumb' (for lack of a better word). Okay, I'll change that to 'naive' (evil vs. naivete).
Depending on which side of the fence you are on, for instance, defending the scammers over the victims, basically is representative of your character.
Being of more compassion, I tend to think the scammers are more to blame. They have the intelligence to pull something off like this (if only for a duration), so they should have the brains to distinguish between right and wrong.
On the other hand, the naive ones don't have the wherewithal to understand that there are many evil individuals out there, with very personal agendas, or minimally, their willpower is extremely compromised. For the former, they can't be faulted, for the latter, they have some ability to overcome but have not exercised it, so they should accept some responsibility.
Scenarios involving money obviously attract the most deceptive behavior. In some cases, there is such a need for survival, that it almost gives some credence to the scammers objective (need for food and shelter). I don't have any idea what percentage of scammers are just 'getting by' in life, but I have some pity for them.