It use to be like wolf of wall street when stock brokers sales guy called to you and you invested in Junk.
Or any other things the junk bonds the people are nowdays extremly smart and educated and it's not anymore easy to down play the average guy with some speculation.
Those people who got atleast some money are smart with that money.
So it's harder now for the bigger guys to get small guys money.
That's why they have created a lot retirement funds so atleast the financial instutions have money from there because it's anymore easy to speculate on the markets a lot people don't follow the fud anymore they can read the charts they can see even someone want to scam them and all the other things.
In the speculative economy where use to be a lot dumb money it's like this anymore.
when everybody sell at the top and buy when dips well it's kind of difficult to make money.
people now really are smart about finances even those people who got no education or any financial or bank degree now make quite good moves and they are competation for even the bankers and old guys with some financial or banking degree.
The situation with some low cap coins people just don't invest into total Junk the developers who develope some shit coins hope to become rich it's not going to happening anymore and when coin don't have some real strong team influencer or marketing or utility then the next pepe bonk Shiba doge...thing will not happening.
I think we are in interesting situation now that we have so many smart people it means less volatile because when it's time to take profit a lot people will do that and when price low enough a lot people will buy so we see that people now are really smarter.
Markets are full of just pure speculative factors when everybody getting experinces and knowledge then it doesn't work.
We need to make dumb people rich and let them come to play on the markets that's the only way we could get money...lol...but by the time they become smart so we need later on new dumb money who got money lol.
But it's difficult to use money printer always just because we want to give everybody money it will couse inflation so while the big guys can't get their money from DUMB ones then more taxes and more all kind of capital controls and restrictions will come and higher fees of everything.
The another thing is that in order to make the main profits someone got to surprise everybody and turn the table 100% another way so that nobody wasn't expecting.
If all the ASKING is failed then it's the time to take one way to take by Force is higher wealth and Profit taxes...also the unrealised gains so you will be taxed based on predictions of future profits.
We have some group of people who needs money a lot from others when there is no more dumb money then it's time to take by force taxes+ all kind of situations when you are forced to pay like some wealth confiscations.
If society become smarter generally then there will be ways to get your money with enforced ways If the smart ways don't work then you will be enforced situation where you have no options.
We have explored how superlative private wealth levels can have disproportionate political and economic impact on corruption arrest and the rule of law, which generally tends to escalate conflicts and affects governance effectiveness in countries such as the United States, Russia, China, Brazil, and India. We discussed how parents pay their working-class children in their homes and agreed that this might run against intuition, the money they invest in managing household expenses must be what is appropriate and below market rates to reflect family solidarity. Lastly, we have observed corruption in the country, and it is prudent to exercise vigilance when investing to keep off fraudsters. Finally, it was underlined that investor behavior has changed: today's investor is much more sophisticated compared with earlier ones, and hence, dealing with less sophisticated people becomes increasingly difficult for a financial institution. Changes bring about more competition and probably stricter regulation with things like higher taxes, capital control, and other such measures, because the traditional way of thinking simply doesn't work.
Let me give my opinion from some of the points you have made.
In my opinion it depends on which area has minimal access to information and the target of fraudsters now are those aged 50 and over who are easier to manipulate by claiming to be their grandchildren and asking them to transfer money. Although this method is quite traditional, there are still victims. Well, if the target is young people aged 20-35, the method of manipulation is somewhat different. Actually, criminal acts through social media, whether fraudulent investments, extortion, or others, depend on us who must be able to protect personal data. It is not easy to show off wealth, show off luxury vehicles, sleep with piles of money, and so on. Because, the trigger for the crime comes from people closest to us who are jealous of our economic status. Believe me, critical things on social media are sometimes more difficult to limit because of free internet access by absorbing information from the wrong sources.
In the crypto industry, everything can be very transparent, so the most important thing is that experience accompanied by knowledge will give you many ways to filter out what is fraudulent and what is not.
As already discussed in economic impacts and changes in investor behavior, the fraud problem obviously affects access to information and specific target populations. Generally speaking, traditional scams-for example, scammers impersonating family members and extorting money-prey on people without digital assets or those who simply do not know them.This method still works because of its simplicity and the ease of the less knowledgeable. Meanwhile, youth, or even more narrowly-the age group of 20-35 years-old, are at risk and especially in the digital age. Social media have turned into a two-edged sword: on the one hand, it provides a channel for communication and distribution; on the other hand, it becomes a source of multiple types of digital manipulations and frauds. These may vary from fraudulent financial schemes to extortions, which demand protection of personal data and close internet surveillance.The relationship between our discussion of financial markets and investor behavior, now somewhat apparent. In that the increase in financial literacy and investor wealth has modified the market, it has equally modified the strategies employed by fraudsters. As individuals become increasingly sophisticated and thus better at recognizing traditional scams, fraudsters modify their approaches to focus on one of several vulnerabilities, such as social media profiles. .. With increased potential for transparency within the crypto industry, addressing and detecting potential fraud requires experience mixed with expertise. The evolution of fraud has shown that constant vigilance and flexibility are required to avoid the financial risks of.
