That's no way to live. The optimal amount to get scammed is >0, because to 100% avoid it you have to cheapen and weaken your life to an unreasonable extent.

It's like how the only 100% secure system is offline, off, unplugged, wiped, and slagged. Or how the only way to be 100% safe from communicable disease is to be the last living human.

And that's what makes our tolerance for grift and scams so obnoxious. It's one thing when dishonest people lie and cheat and steal, it's another entirely when our institutions and leaders forgive, excuse, enable, and even embrace it.