I disagree with the vibe of the op because I think victim-blaming is generally a bad practice. It's easy to criticize in hindsight, and it's natural to blame the victims because we want to think that we're doing something better and that's why we won't become such victims. But ultimately, the victims are just that, victims. They should not be blamed for what happened to them, and both legal and moral blame is on the scammers.
That doesn't mean we shouldn't try to educate ourselves, be careful with our finances, and be aware of scammers. But everyone makes mistakes, and it's a part of life. Not everyone, however, chooses to prey on vulnerable people and steal their money one way or another.
I feel the same way too, what is bad should be seen as a bad thing, if we blame the victims it will look like we are saying that scammers are doing the right thing.
If one is scammed the first time, it's acceptable to say that it's the scammer's fault but if it happens again then it's the victim's fault. I know that some scammers have no choice but to scam people due to their hard situations but honestly, it's an excuse to make themselves feel better.
People need to be very careful with money, when it comes to investment they have to put aside their money first and go after all the necessary knowledge needed to be on the right path, the lack of knowledge is the culprit to why many people fall victim to scams.