Here is something to consider:
In this age of "amazingly advanced scientific technology" everything has become so quick that if a thing does not happen instantaneously there is a public outcry. Messages arrive moments after they've been sent. It is now possible to buy things - online - from the comfort of your own home, almost before you're aware of it.
In order to facilitate this process money is converted into numbers - in the case of a computer into zeros and ones - and, as your money gaily disappears into the ether, what becomes of it then? Answer: someone else converts those numbers either back into cash or they, in turn, buy something online using those numbers.
Fact: The whole world is in the grip of a recession. All the money seems to have disappeared somewhere.
Are you still with me?
Fact: This online internet world is constantly being hacked into by people. If you do not pay these people lots of money they will turn your computer - you know, the one you worked long hours of your life for and saved up for for ages - into an incredibly thin & lightweight piece of shit.
Never mind that it's costing you a lot of hard-earned cash to run your computer anyway - these greedy, worthless people are more than happy to bleed you dry.
Look out for these people. Listen carefully to how they justify their crimes. See if they can look you in the eye. Ask them where all the money went. Listen carefully to their answers.
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