Finally CBN gives the main reason why they put ban on crypto in Nigeria, the fact is there are many bad eggs among the good eggs, online romance scammers are now using bitcoin as their benefactor to cashing out money easily with no traces, read news here
https://www.arise.tv/how-fbi-alerted-nigerias-central-bank-to-scammers-using-cryptocurrencies-to-defraud-the-west/The question is are white people so stupid that they will keep sending money to people they've never meet in real life? Honestly all this defrauding through romance and other ways have been going on since past years now, I expected all this to have come to an halt, the problem isn't even the scammers but people who allowed themselves to be used I totally agree with your last conclusion about the problem not being the scammers but the people that still chose to let themself be scammed through this means. However, I would say that the Fed. The government still did this just to get back to the masses even though scamming wasn't the only issue mentioned by them. Money laundering was also part of their concern and the argument then remains; if they can actually prove these points that got them to worry, that means they most have proof and if they do that means they should know who these people are that are perpetrating this thing so, why don't they just go after them instead of cutting the whole system off?
We know the Govt. concerns are real all over the world but they need to be forward-thinking about how to maximize crypto benefits rather than shorting it down.