I am very sad to say this and yes you do not want to live in fear every day but....................... you really have to assume that most of what is going on out there is a scam and there to take your hard earned money. We all have to be very diligent in any way to not be a victim. My 85 year old mum is someone that is very very dear to me and i instill in her on a very regular basis to not be taken in any way. I always tell her to call me right away about anything she is suspicious about. I am so thank full that my mom is right on track this regard. I only wish all these scum suckers got everything they really deserved. .