Speaking from experience last year may I had a bad encounter , i was scam well the bad part was I had peoples money too. Which landed me in debit, I was faced with people telling me to have my revenge. But is it worth it, I Know how I felt those period and would never pray someone have the feeling.
But my question is who is to be blamed, is it the scammer or the person scammed. Technology has so advance that with someone have you bank card, can do what ever. That why I ask is it you who gave out the information or the person who has decided do eat your labour.
For the question you asked about who is to be blamed when a scam happens, i will say that it depends on your level of knowledge then before you got scammed because if you were still inexperienced and haven't been exposed to that kind of scam by someone who got same experience or by hearing it from people, i cannot blame the person that got scammed on the ground of lack of exposure to such scams and just like you said, technology is really advancing and if you are not someone that is used to different strategies scammers use to convince their victims, it may be hard for you to escape being scammed completely.
For me I think I life by the golden rule "what ever you would want men to do to you, do even so to them".
You got it wrong here, for the fact that someone scammed you doesn't mean you should scam others. Remember we are in Nigeria where most people are diabolic in nature, someone might scam you and you just let it slide and blame yourself for being foolish but it may not be the same for someone you scammed. They can rain curses on you and your generations and if you scammed someone that is very fetish to diabolical things, otilor o you know what it means.
What your experience about scam?
I have been scammed countless times and what i will say is that sometimes, we can't completely stay away from being scammed because some of these scammers can even be your relatives who you know very well and as a matter of fact, you also trust them but in the end you may find out that they have just scammed you. I know several occasions my cousin who was very close to me tried to scam me till i confronted and told him to desist from scamming otherwise it will lead him to his downfall.