There's a difference here - most day to day Millennial and Gen-Z workers don't MAKE enough to have the opportunity to be scammed. The yuppie, upwardly mobile class of rich college grads has been a minority for a LONG time.

The boomers grew up in an era where a high school diploma got you the equivalent of a 60k a year salary as a STARTING pay just for having a pulse, and a huge number of them retired with a pension.

There's a massive difference between being desperate and grabbing for an opportunity to get out of the endless treadmill to the grave, and having everything you need to be comfortable for the rest of your life and blowing it.