Grandmother was handed her cash card and had her money stolen by that method
Hello, this is Kudoyama.
“My grandmother handed her cash card to a stranger and told them the PIN… and the money was withdrawn.”
I heard such a story recently from a acquaintance.
“Why did she hand over the cash card?
When asked…
“The person pretending to be bank staff deceived her.”
That was the case.
It's a story I often hear, but
what exact technique did the culprit use to
steal the cash card and the PIN from the grandmother?
So that you won’t be deceived by the same method,
we share this with you.
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Why did the grandmother trust them?
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“First, a phone call came.
They said they were from 〇〇 Bank.”
“And then,”“at that moment the grandmother probably
believed it was a call from a bank employee.”
“I can’t see the other person’s face…
I can’t say I don’t understand the urge to trust, but
what happened after that? If they’re going to obtain the PIN,
there should be a proper reason.”
“The cash card was expired,
and they said it couldn’t be used.”
“So I had to change to a new card,
and they asked, ‘What about the PIN?’
And in that flow
she ended up revealing the PIN.”
“I see….”
“Normally, if you think about it,you’d be highly cautious about telling someone the PIN,
but the grandmother fully believed from the start
that the other party was a bank employee,
so she didn’t have a hint of doubt.”
“But even so, the critical cash card was
still in the grandmother’s hands, right?
How was the card taken?”
“While she was on that call,the doorbell rang suddenly.”
“Yes.”
“Then,the person on the phone told her
to hand over the card to the person who came to the house,”
“I see. objectively listening, the plot is suspicious,
but if she fully believed,
there would be no room for doubt.”
“I think so. And then the person who came to the house
took the cash card so easily.”
“That’s how it was.”
“However, after that the grandmother
began to feel something was off.”
“After handing it over?”
“Yes. When she called the bank
they said there was no such story.”
“They immediately stopped the account.”
“What about the money? Had it been withdrawn?”
“It was already too late.
Apparently ¥500,000 had already been withdrawn.”
“That’s frustrating, isn’t it? Like the entire balance was wiped out?”
“No, there was a limit on withdrawals.
It seems they withdrew up to the limit.”
“Having a limit saved us then.”
“Exactly.”
“And then they contacted the police andexplanations were asked.”
“Was the culprit caught?”
“Yes, the person who came to collect the cash card
was caught.” However…”
“But?”
“That culprit appeared to be a minor.”
“A minor?”
“They were just hired part-time.”
“Is that so.”
“By the way,these kinds of incidents
also seem to occur in many other cases.
There have been other cases with almost the same method.
“An 81-year-old woman’s cash card was swindled.”
↓
https://headlines.yahoo.co.jp/hl?a=20191030-00000004-saitama-l11”
“Indeed, there are various similar points.”
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Do you think about it when the bank calls you?
Would you doubt it?
Probably not that much.
There are many people who would believe even if the bank tells them the branch name of their own bank.
So please,you too
be careful.
Perhaps you think you would not be deceived,
but those who think that way are the most at risk.
Nothing is scarier than a fixed belief.
There are many people in the world
who are after your money.
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Humans are creatures who try to save thinking.
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“People after your money”
In this sense, the investment industry
also has plenty of shady get-rich-quick schemes.
Not everything is dangerous, but
it’s best to doubt a tempting offer first.
When someone urges you to trade,
it’s suspicious, isn’t it?
You might think, “If it’s a major securities company, it should be fine,”
but that is also questionable.
Indeed,they might not have malicious intent to cause you harm, but
it is wise not to jump into the conversation easily.
“Because fees are the motive,
they are making you trade more than necessary,”
and thus securities companies have faced criticism,
but such things do occur in reality.
One more thought: for example, if you
do as your advisor says and
make trades andlose ¥500,000,
the result would be the same as the grandmother from the earlier story.
Even if the securities company did not intend to harm you,
the result is the same: you lose money for no reason.
Therefore,don’t trust simply because a company is big
or famous,
or because you know their commercials.
That said,
it would be very difficult to avoid trusting well-known people or companies in the world.
Because humans are beings who want to conserve thinking.
Lastly,
I’d like to share results of a study on human nature.
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In many respects, we are always trying to save cognitive energy
as “cognitive economists.”
Because human information processing capacity is limited,
we often adopt peripheral routes that simplify complex problems.
Not because there is a good reason,
but because we are drawn by simple propaganda tools and
unthinkingly accept conclusions or arguments.
Plato, Canis, Alonso
“See through the Tricks of Propaganda in Advertising and Political Persuasion”
Social Behavioral Studies
October 30, 1998, 1st printingP.35
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In this world overflowing with information,
we cannot examine every piece of information in detail.
Therefore, when judging
we tend to decide based on such simple things.
This is an instinctive cognitive behavior,
and resisting it is difficult, but
please be careful to protect your valuable funds.
Thank you for watching until the end today as well.
Thank you.
Keizo Kudoyama
