My 1/2 cent worth:
1] Forget all theoretical political systems and fantasizing about how you believe they should, or would work - its all just “pie in the sky” fantasy , not real world.
2] Take full responsibility for everything you think and do.
3] Realize that in the real world, scams are all around you regardless of which political “system” is in operation, but that, at the same time, one persons “scam” is anothers “honest endeavor.”
4] Trust no one without verification.
Just because your best friend recommends a restaurant and says they have great food and service does not mean that you’ll find the same to be true. Same with banks. Proceed accordingly.[i.e with trepidation, in banks, new restaurants, investment advisors, strippers, drugs, guns, mothers in law, attorneys, rock concerts, and just about everything else!]
Buyer Beware! In other words, before going into anything new and unknown with institutions or persons not previously dealt with and giving up your cold hard cash, do not make the assumption that if scammed, or other differences of opinion occur and you want money back, that you are “insured” because the other party says so, or if such assurances are in writing, do not assume that you would necessarily be covered in all unforseeable circumstances, or that an insurance company will always see your side, or that you are covered by the FDIC or the better business bureau or whatever, nor that the cops, or lawyers, or judges or courts [private or public] nor any private or government individual or group will see necessarily your side of the story.
5] if you mess up, be honest enough to acknowledge that ,assuming its not just plain old bad luck and no one is to blame, its probably your fault, [because you have taken full responsibility and are no longer looking for a “system” or person, or whatever outside of yourself to blame things on] , therefor take “the hit”, realize that all knowledge, to be learnt, has a price to be paid, and that you have learnt a [perhaps expensive?] lesson, and if you are really smart, realize that even though you have learnt that expensive lesson, it does not mean that you will not make mistakes or successfully avoid a different scam in the future.
Try to look on those future mistakes as paying the price of experience [a future price that will hopefully be greatly limited by your new, fully self responsible, less trusting approach]- but nevertheless a price paid for in both time, or money, or perhaps both.
We all make mistakes and get scammed. Experience is a great teacher, but it can be a cruel mistress if you let it.
Damage control is the name of the game.