In the 1980s, I was listening to a news broadcast that contained 3 stories of note:
- national economy is doing fine
- Saskatchewan provincial economy is doing great
- Saskatoon gets its first food bank
From that, I concluded that there are two economies that are either completely separate or only very loosely connected: the lived economy of the vast majority of the workforce and the financial economy of trading in stocks, commodities, and financial instruments.
Over the next few years, it became obvious to me that reporters, journalists, politicians, pundits, think tanks, and business groups care only for the economy of the financial sector. I've seen nothing since to make me change my mind.
Everything I've read makes me think that a scam is obvious only to those not taken in and those who get the benefit of reading a news story.
This particular scam is a relatively minor variation on the "bank examiner" scam that has been successfully operating pretty much since the invention of banking. With the right play, even people familiar with the scam can be taken in.