Most of these crimes hardly require talent. It's just social engineering the tech illiterates or even the unsuspecting literates.

> Another finding in the report was that of all reported cyber crimes in India, almost half (47.25 percent) involved Unified Payments Interface (UPI) fraud. Debit, credit card and sim swap fraud came in a distant second place with 11.27 percent. Overall, financially motivated crime accounted for 77.41 percent of incidents.

Talented criminals are rare. And those talents mostly go behind bars while the above criminals loom at large.