Unsolicited DMs on financial offers shouldn't be treated with "skepticism". They should be seen as scam attempts waiting to happen with your permission. I believe no one can scam anyone without their permission. Both parties have to give consent before scam happens – the scammer and the victim. Hacks can happen without a victim's consent but not scam. That's the way I see that. In most cases, it's greed that gets people vulnerable to scam, not even ignorance. So, in my books, it's a red flag whenever I get unsolicited financial DMs. Newbies should take this as an advice they've to arm themselves with.
DMs from strangers are quite dangerous.
DMs from strangers with financial and chance of getting rich offers are more dangerous.
You can receive such DMs on any platforms, forums, messenger applications as it is a common scam type.
The cryptocurrency scambook with many information about most popular scam types and how to avoid them.
In Bitcoin forum, unsolicited DMs are not allowed and if you received them, felt uncomfortable with them, thought them as scam DMs, you can report them to forum moderators. Scammers will be banned shortly after forum moderators receive your reports.
29. Sending unsolicited PMs, including but not limited to advertising and flood, is not allowed.