I used to feel this way, very strongly, but spending time on the crypto subreddits has changed my mind. There is a substantial set of people who actively refuse to learn form experience and just keep seeking out scams. They do not have mental defects, they just actively refuse to learn from their experiences. It is not unlike the people in failed doomsday cults who continue to believe in their revelation after one or more failures.

Victim blaming is wrong, but it is more than fair to observe that there are people who actually are at fault for their situation.