TO ordinarydude: pocket picking scheme(s)
ordinarydude, you wrote: ..."There is always someone out there clever enough to find a way to "pick your pockets"---whether it's at a casino or it's via penny stocks---etc."...
Oh, and how about collect calls from county jails? I have been tempted to take a few of them, just in case a loved one ended up in deep poop. But, then I said to myself, don't be a "sucker" ;-)