The phone rings. It’s a scammer. “I’m calling from Microsoft about a problem with your computer.” “I’m calling from the IRS to discuss your past-due tax bill.” “Would you like to contribute to the National Fallen Firefighters Foundation?” Don’t sympathize with the person on the other end – they are criminal scum trying to steal from you. Hang up. Go ahead, be angry. They deserve it. But don’t imagine that they have chosen an easy life or that they are living high on ill-gotten proceeds. You’re probably talking to someone working in a crowded cubicle at a call center. The salary is below...