There’s no “right thing” here. These companies will do what they legally can to ensure their bottom line is as healthy as possible. If that means making broad strokes, cutting corners, and inflicting collateral damage on customers that are situated in fraud-laden landscapes, they’ll do it.

What if there were actual Nigerian princes who truly wanted help with currency exchange and were offering a real mutually beneficial business opportunity? Would you expect Gmail to hire a team to weed out those emails from spam? If they don’t, are they “lazy”?