You appear to move the blame onto the potential victims which I consider a no-go.
Yet I'm still sure you still lock your doors when you aren't home, tell children to look both ways before crossing the street, and discourage people from going to a bad part of town when you think it won't be safe for them to go there.
The sad reality is that people who don't look out for themselves are far more likely to be taken advantage of by scammers or far, far worse. Kvetching about victim blaming does no good for victims and saves no one from becoming one. The more responsible you can get people to be for their own lives and circumstances the less likely they are to become victims in the first place. There are some things in life that are truly beyond a person's control, but trying to minimize those things is going to make you considerably harder to exploit.