Getting a job is not possible for everyone, not everyone has family or [friends] to help them and sometimes they will make the bad situations even worse them. If you've ever really needed money and were very desperate, than you probably know that people would let you starve to death rather than give you $5.
It's weird how people won't toss out just a few dollars to help someone in need, yet they'll spend $10000 or more on their pet that has an average life span of under 5 years.
But then again, if you give the person in need money, they'll keep coming back for it. It's a real crap shoot
Phishing is inevitable in dealings and investments, the reason they cheat is largely because they are greedy for the money they have, and want to take up their own money, there is another part they cheated. Because someone else cheated them so they cheated others.