Why Old People Get Scammed

Science:

Despite long experience with the ways of the world, older people are especially vulnerable to fraud. According to the Federal Trade Commission (FTC), up to 80% of scam victims are over 65. One explanation may lie in a brain region that serves as a built-in crook detector. Called the anterior insula, this structure—which fires up in response to the face of an unsavory character—is less active in older people, possibly making them less cagey than younger folks, a new study finds.

Both FTC and the Federal Bureau of Investigation have found that older people are easy marks due in part to their tendency to accentuate the positive. According to social neuroscientist Shelley Taylor of the University of California, Los Angeles, research backs up the idea that older people can put a positive spin on things—emotionally charged pictures, for example, and playing virtual games in which they risk the loss of money. “Older people are good at regulating their emotions, seeing things in a positive light, and not overreacting to everyday problems,” she says. But this trait may make them less wary.

To see if older people really are less able to spot a shyster, Taylor and colleagues showed photos of faces considered trustworthy, neutral, or untrustworthy to a group of 119 older adults (ages 55 to 84) and 24 younger adults (ages 20 to 42). Signs of untrustworthiness include averted eyes; an insincere smile that doesn’t reach the eyes; a smug, smirky mouth; and a backward tilt to the head. The participants were asked to rate each face on a scale from -3 (very untrustworthy) to 3 (very trustworthy).

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