Scams are here to stay - so best be vigilant.
That's from The Centre for Financial Capability, after an online romance scammer stole almost $600,000 from a Kiwi pensioner.
Fraud education manager, Bronwyn Groot, is seeing higher numbers and more sophisticated scams targeting New Zealanders.
Groot says they target anyone from high school students, to business people, to the elderly and they're unlikely to disappear.
She says one thing we can do is stop blaming people for falling victim.
"We need to change the mentality of people saying 'oh god, they must be so blooming stupid to fall for it,"Groot said.
"We need to put the blame solely where it lays and realise how sophisticated they are and how much effort they put into getting this money."
LISTEN ABOVE AS BRONWYN GROOT TALKS WITH MIKE HOSKING