Scammers are everywhere and we cannot do anything about that unless otherwise taking care of ourselves in all means. Because, scammers are really dangerous not only for beginners but even for experienced people as well. So being careful is the only solution here.

But what OP is stating here is, because of bitcoin people are retiring early and not contributing on the growth of the economic which might again turn against them like more inflation due to less productivity because of more number of early retiring people. But I'm not seeing it is a practical one but it is an over-imagined one hence I believe we can simply leave off this because it is not practically dealing with the current of scenarios happening around bitcoiners.