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.