Have you noticed that whenever someone complain or there is an incident of scam they is always a role that was played by the person in that happening
It happens but not in all cases, you kept your property in your care is quite different from when you lost it out of carelessness or when someone came in and attack you just to steal you money from you, most of the people you see often loose their assets lack the practice of the security measures expected from them to use in shielding over their asset and this scammers uses such weakness to attack them, this is also very common to newbies in mot cases, if you know that you have something that you cherish, then don't wait till you're been attacked before doing something to protect yourself.
You are right we must be careful before blaming cheaters. It is your responsibility to protect your assets because how much care you take about you will depend on you because scammers or thieves will always look for opportunities so you need to keep your possessions safe at all times. Many times it is seen that our wealth is lost from us due to our little carelessness so we should always follow everyone's words because if we cannot keep our wealth carefully then we will lose our money and it will be more our fault than the one who steals it.