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I suspect that they are not usually gullible, often they are mentally unwell in many ways. Also, usually it isn't their own money that is stolen, but their parents' money, or a credit card loan, etc...

Unless a person is very rich (in which case *maybe* they are gullible) they don't part with large quantities of money voluntarily. Mind you, I've spent a lot of money on dumb stuff over the years...