There are 2 ways to trade:

Value for Value

Value for promises

Scammers like promises because promises require trust & trust can be violated. If they can trasform money itself into promises then they can scale their scam to steal from everyone.

If people have been decent to me, why would I want to be anything but decent to them? If people haven't been decent to me why would I want to emulate that? Decency is basically the only thing compatible with rational self interest.

What do I get out of ruining life for others? Is theft & destruction a fulfilling sort of pursuit? Is killing someone or in some way scarring a person for life not going to haunt me?

I find it a bit concerning when people don't seem to understand that being a good person & doing what is right (even if it's hard) is the path to building self respect & any sort of meaningful sense of satisfaction in life.