I think I'm speaking to the choir here (lol) but you know with millions upon millions of little old ladies in a free society ... & freedom is good (IMO) ... it is pretty impossible for some all powerful over-seer or govt. to be able to protect every single individual from something like every single ardent & persistent scammer. There are some protections in place, & there have been MSM programs warning about scammers & such, but there is no way to protect or guaranty every single person from every single possible danger out there
unless people are willing to give-up total control of their lives & all their decision making. I doubt they would (at least in the USA, yay!) nor would I personally want to be part of such a controlled society.
My personal belief is that if each individual person was personally responsible for themselves, AND took a tad care to look after the people in their orbit - starting with family, friends, neighbors, church members, local community ... like a circle where you're the center & your good karma emanates outward .... everyone would be 'covered' or helped to a degree.
For example, as my Mom is aging her judgment is slipping. She might fall for a scam if I was not closely monitoring what she's up to. Of course she doesn't want me monitoring her never mind telling her what to do or not do but that's another (& common) story!! I couldn't be there to shovel her snow, but her neighbor did so, without asking. We will bake him some cookies though he is not expecting anything in return.
I always feel that I cannot personally save the world (nor might I want to anyway
but I can at least make a difference for someone (or some creature) in my own backyard. In the case of creatures & backyards, that becomes quite literal, on a daily basis.
WOW, what a rambling tangent. Sorry! :s
In summation (lol) I just don't think there is a way to protect every single person from potential scammers unless we take away everyone's phones & computers. A consequence of freedom is being free to make your own choices. Unfortunately not everyone always makes good choices, but they're still free to decide for themselves, & do what they want, good or bad. Separately, If someone is actually incompetent to make any decisions, that's different & a fiduciary or guardian should be selected to make all (hopefully good) decisions on their behalf.