I think as long as there are people who are evil and tries to scam and make easy money, they will be innovating all the way. It's just like a battle between Good and Evil, and there would never be a balance, at least for a long time. It's just like how hackers/programmers find a way to pirate an application which benefits some of the people who can't afford. I think the main difference between that is like a white hat thing vs a black hat thing.