This seems inevitable for any effort that seeks to make a "platform" for "connecting market participants" it always ends up becoming awash with scams, shams and flim flams.

It strikes me that this is enabled by the Internet because it suddenly removes all external checks one cane do in the real world to validate a claim. Back in the day if the Miller boy was in a tragic accident the community all knew and could pitch in. Nowadays I don't know if Eliza who is a 13 year old with cancer is actually a suffering young girl or Fransicojeet in Elbonia.

Ultimately this is the end result of altruism in a system with bad actors and low trust, the generous are taken advantage of by the unscrupulous.