This is good to warn people about dangers of Telegram and Discord especially for money matters as it is far too easy for scammers to pretend to be someone else even using features like premium badges to seem legitimate.

Your story which you shared about trusted contact who is already rich asking for small amount showing that  these scams can be very tricky. Bottom line is to never trust anyone on these apps with financial deals. Instead of this we should always use private secure ways to communicate like having them sign message or using platforms like SimpleX which add extra layers of security which is missing from less protected apps.