Spoken like someone who has never seen the damage scammers do. It's always funny to see people who have never been affected by something talking tough. Typically boomers and their brainwashed children.
You'll see, when you're old and senile and a sharp scammer takes you for all you're worth, you were wrong. Unfortunately, you are right in one aspect. People must learn from their own mistakes. You surely will too. You can't expect to stay
abreast of every possible avenue a scam will come from. When you get yours, as all tough talkers do, I hope you remember to vote for consumer protections.
Where do you hail from? I'm sure I could find 10 criticisms of your nanny state for each of your criticisms of the US.