Not all of it are scam.
But you must be careful before join any project.
Free token without doing nothing can possibly becoming a scam.
Be aware of it.
No one token can be free. If you are offered it - you can become the victim of the scammers. By the way, some people think that Bounty awards are free. No, they are not - you have to work too much to earn them.
Yes,I agree in your opinion,no one can be insured against fraud,and Yes nothing happens just like that and that would get something you need to work, work and work again.