The FBI has a very difficult mission in attempting to stop all the “bad guys” out there — who are manipulating others in a fraudulent manner:

https://www.fbi.gov/news/stories/senior-citizens-victimized-in-telemarketing-scheme-112618

It took more than 10 years for a Canadian man to face justice in the United States for a telemarketing scheme that bilked senior citizens out of millions of dollars, but the defendant is now in prison, thanks to the strong partnership between American and Canadian law enforcement.

Between 1998 and 2001, Wilson operated a phony telemarketing scheme through various companies, including American Fraud Watch Services and OPCO International, Inc. The victims were falsely told by the telemarketers that they were affiliated with the victims’ credit card companies. Victims were also told that they were vulnerable to credit card fraud and would be held liable for fraudulent charges on their cards.

Under Wilson’s direction, the telemarketers sold victims 10-year credit card “protection” for approximately $300, and promised a 100 percent money-back guarantee. Victims were told the fee for this service was as little as $3 per month, but in many instances, their cards were charged the full amount whether they had agreed to that or not.

The truth was that Wilson and his sham businesses were in no way associated with legitimate credit card companies, and the credit-card-monitoring and protection services he promised were a fiction. Moreover, credit card companies do not hold victims liable for charges that arise from fraud.