If YouTube cannot police or moderate their own platform, then that's a problem they created for themselves.

'Sorry, moderating this content is something we cannot manage' is not an acceptable response, they are a trillion dollar company with access to tools which can be run at scale. Scam prevention is a cost center, which is presumably why they don't care, and that attitude needs regulation (as they'll never change on their own).

> Some people need to learn the hard lesson and we need to stop bailing them out.

I think the same can be said for large tech companies.