The Big Question Who Is Really At Fault?
The Big Answer is BOTH there will be no Victim if there are no fraudster , but there will never be a fraudster if there is no victim.
remember that victim is the reason why there are existing fraudster.
so lets not blame one but instead help the victim find a way to not become one.
Well, it's the fault of both of them, but the fraudster is the one to blame. He's committing a crime, there is no grey morality about that. You don't question if a murderer committed something bad when it happens.