Am I understanding you correctly that you basically want to normalize scams? That we shouldn’t proactively try to protect the innocent from bad actors, rather we should allow scammers to take advantage of them even when we know they can be irreversibly harmed?

If I understand you correctly, this is a terribly unethical take, lacking in any sort of empathy. But also lacks any historic understanding of scammers and psychological understanding of human behavior.

This plan won’t work, there will always be innocents to scam, and scammers will continue to exploit it until authorities put a stop to it. There is a reason why ponzi schemes were criminalized, if they wouldn’t have been, we would still see criminals exploit people from the same playbook today.