USA - It just never ends. No matter how much publicity these scams get, no matter how many years old the internet is, people still hand over their money to scammers. It doesn’t matter how old you are; last year, in fact, more consumers age 20 to 29 reported losing money to fraud than the over-70 crowd did. So how can you defend yourself? The usual advice goes like this: Whenever you get any kind of email from a financial or commercial institution, do not click the link in the email. If the email comes from a company, open your web browser and type in the company’s address yourself (www.citibank.com or whatever). You’ll discover, of course, that there’s nothing wrong with your account.