Even with a professionally typed paid FinCEN policy reviewed by 3 companies, scammers have still found a way to literally go above and beyond to steal money.
You just said it, see regulation doesnt help you jack shit to avoid scammers, yet some idiots are still pushing for it.
To avoid scammers you have to use your brain, common sense, due diligence, and a bit of research.
You just simply dont give 6000$ to strangers, with no solid business plan, shady background, or no contact info.
DISCLAIMER: Fully regulated and insured banks with absolute contact info and total transparency will steal your money too eventually, just like this :
https://bitcointalk.org/index.php?topic=160292.0