Tell me this. Did you not ever got scammed once in your life? Didn't even once someone sold you something that was broken or useless and then disappeared or didn't accept refund telling you that you broke it or any other excuse? Scams come in many ways and every person has been scammed by someone else. There are some that hide it but others that don't.
You think this has to do with intelligence? You are wrong and you have no respect for your fellow human being. You made it a case for race too and this is even worse. Probably you are too young and naive to think that people are stupid but it is the scammers that will get arrested and rot in a prison.