Anyone can get scammed online, including the generation of Americans that grew up with the internet.
If you’re part of Generation Z — that is, born sometime between the late 1990s and early 2010s — you or one of your friends may have been the target or victim of an online scam. In fact, according to a recent Deloitte survey, members of Gen Z fall for these scams and get hacked far more frequently than their grandparents do.
Compared to older generations, younger generations have reported higher rates of victimization in phishing, identity theft, romance scams, and cyberbullying. The Deloitte survey shows that Gen Z Americans were three times more likely to get caught up in an online scam than boomers were (16 percent and 5 percent, respectively). Compared to boomers, Gen Z was also twice as likely to have a social media account hacked (17 percent and 8 percent). Fourteen percent of Gen Z-ers surveyed said they’d had their location information misused, more than any other generation. The cost of falling for those scams may also be surging for younger people: Social Catfish’s 2023 report on online scams found that online scam victims under 20 years old lost an estimated $8.2 million in 2017. In 2022, they lost $210 million.
Dear Zoomers:
I love you guys, you have so much heart and clarity of purpose.
But goddamn you guys are slow
Couldn’t this just be a reporting bias? Boomers wouldn’t even realise getting scammed, and if they do, would be too proud to report it.
An anecdote that both supports your perspective and offers an alternative explanation.
My father in law kept falling for the same scam. Something about straightening out his credit card billing for some service he never ordered. But the scammer needed his information to access the online account, but he didn’t have that even set up, so he’d hang up, call his credit card company, and try to complain to them about a problem that didn’t exist.
Another scam about paying balances he didn’t have would result in him mailing checks to his regular credit card company, who would just credit his account to negative balance and it would work out fine.
He’d generally never even recognize it as a scam, even when flat out told by his family or the credit card company.
So his gullible nature was largely cancelled out by not dealing with this online stuff, which is a critical component of how the scams tend to work.
When the low int character keeps rolling critical success on skill checks.
We might have a different bias at play - a boomer able to adjust to new media and do an online Deloitte survey are self selected as being intelligent and have strong critical thinking skills. While i would be hard-pressed to find a zoomer that couldn’t do an online survey.
At the end of the day the selection bias may not apply in a meaningful way as the type of boomer unable to navigate through a simple multiple choice survey would likely not be using the internet in the first place.
For example my dad is 73 and has never used a computer in his life. Worked as a gardener and never needed it for work. He sends letters to his close ones or lets me or my mom do the typing for him. So there’s 0 chance of him getting scammed.
The younger boomers and older gen X would have likely used computers for about 30 years now so would be much more adapted to it as this point. It’s not the year 2000 anymore
Yeah… I feel like somewhere along the way, zoomers didn’t get exposed to something essential, which millennials did get. The real problem is figuring out what that is before too many generations are lacking it.
When millennials were kids, the adults were so fascinated with their aptitude for messing with obscure DOS settings to get their games to run or programming VCRs, that the media did the tech whiz kid trope constantly (e.g. Star Trek, SeaQuest, Hackers, etc, etc). Having to deal with early electronics with arcane interfaces and fickle behavior forced them to have a comprehensive understanding.
The generation that grew up with more point and click experiences did not inspire that same “holy crap, the kids understand this really hard to use technology” and the trope in media died out. They were not forced to understand the workings of the technology to enjoy it.
Similar for cars, people who owned cars in early days pretty much had to understand the nitty gritty, because they’d screw up so often and on the road with little recourse to call for help. Nowadays people largely don’t know how their cars work, because they are more reliable and even if they have a problem on the road, they have a phone in their pocket to get professional help immediately.
I think you overestimate the rate of people who actually dealed with these issues. Rural car owners probably knew a lot how to do themselves, but many people still ran to the repair shop for small things (Source: my dad was a car mechanic in the 80s). In the same wake, how many kids do you think really had computers and messed around with them at the time? If half the kids in the 90s were computer nerds, nerds wouldnt have gotten bullied so much. Also the amount of millenials that i have to show around basic computer stuff at work is staggering.
So all in all we overhype the prevalence of certain lifestyles because they are overrepresented in media and stories of people in our own bubble.
I think they may have been referring to back when cars were a new technology, like in the first half of the 20th century
Yeah exactly, I was one of only about three kids in my school year who knew how to do anything on a computer, there were some snes and megadrive owners but mostly just people didn’t even know tech existed.
The reason we weren’t getting scammed is our only contact with the outside world was a landline which we had to fight for time on even without the internet.
By the end of the 90s computer use was fairly common and people were falling for the dumbest shit, ‘if you don’t send this to five friends before midnight you’ll die’ and ‘just give me all your rare armour and I’ll double it and give it back’ The only reason we weren’t getting scammed for real money is that before PayPal the only people who could accept money online were multinational companies and banks - who all have much more elegant ways of scamming.
We were just as gullible as any other generation.
I think you’re wrong about the car example. The reason people don’t know how their car works now is because so much of it involves proprietary software that you cannot fix it with physical labor. You have to understand and debug the code as well. Additionally, the manufacturers and dealerships have made accessing the parts (both on the car and replacements) so difficult that there isn’t really a universal approach to fixing the modern passenger vehicle anymore. Millenials didn’t stop fixing cars themselves out of laziness, it was because the knowledge needed to do so was greater than the cost of having a professional do it and have the repair guaranteed.
Meanwhile, though I understand that touch screen and app-based OSes are pretty difficult to program for the average consumer, it’s not the only option for computing, just a popular one. This also has nothing to do with whether what you’re downloading is safe.
Never had to debug a car I didn’t modify (and I’ve been modifying them for 40 years now).
Yea, when we add-on fuel injection or bigger turbos we alter the ECU. But daily drivers just don’t need debugging. Their failures are still mechanical systems (or sensors, which the computer then just uses defaults).
Automotive computers are some of the most rigorously tested tech out there. Even my 1974 Bendix analog fuel injection system has never “failed”. Components have, which then puts the system in fail-safe mode, like all automotive computers.
All the automation BS is another matter, which is why I refuse to own a car with that garbage. Like Tesla (or Mercedes and now upper-end of many brands). It’s simply not tested sufficiently, and I’m guessing it’s just not regulated like the “traditional” systems are.