People don't exist in such clean categories, there is a spectrum on which everyone lies w.r.t. their abilities of self awareness and self control and their knowledge of their present and future situations, and therefore their ability to act within their own best interests. Communities which seek to maximize future outcomes for their members necessarily seek to aid them by limiting harmful actions.

Where the lines are drawn, how the limits are enacted, and whether or not something is harmful is of course a matter of opinion.

Trying to protect someone against their own urges to give someone money over the internet in return for nothing... I mean how suggestible would you have to be? Society and community is not meant to act in loco parentis, unless you have an IQ ~60.

This is not any kind of fraud, or bait and switch. This is, I show you an image and ask you to send me money. No, the world I want to live in presumes a level of self discipline and self responsibility, and offers a freedom of speech which I think is antithetical to the level of thought-police that your idea of community policing would require.