It's not a bad analogy.  It shows that if someone doesn't understand something they can be scammed by someone who does.

If you don't understand public vs private keys then you could easily be convinced by a scammer to have them give you a private key.

In the same vein, if someone doesn't understand how trust works in Ripple, a douchebag scammer like yourself can convince them to trust people they shouldn't and have bad consequences.

The fact that you don't steal the money directly in the second scenario doesn't make you less of a scammer.   A more elaborate or complicated scam or the use of a more complicated system in order to perpetrate a scam is still - A SCAM.

You have misrepresented through half-truths and obfuscation what you were having people do.   You used their ignorance to put them in harm's way.