In my case, I was scammed about $350. What is local pd or anyone gonna do to help me with that? Nothing, that's what. Absolutely nothing. Why waste my time even more?

I have a friend who is a federal agent. He commiserates with those of us not reporting, as it takes time and attention (not spent earning money) to report. It also creates a digital trail of information that all too often gets misdirected into misadventure. Way more often than most people realize. The only real value to reporting these things is to give a government a measure of how bad something really is, so they might take informed policy action.