I fully agree with your points, and only want to complain about your use of a rat image ter illustration. Rats are wonderful animals, intelligent, and more, and do not deserve the stereotype bad rap they get. Using a rat in an article about scams unfortunately reinforce that stereotype that rats are bad. Humans are, not rats. Aren't there enough photos of scammers online you could have used? Even one of a pastor or reverend, they scam superstitious idiots every day with fables and scare them with junk like 'nice soul you have there. Will be a shame if something should happen to it. Bring cash.'