As people above have mentioned, scams happen within the game at the fault of oneself, a decision made to lend an item/gold/etc to another player. There is a word called "no". And the only thing people lose are harmless virtual items.
The gold phishing on the other hand involves 3rd party websites posing as either affiliates of STS (impersonation) or as a "hacking tool" to swindle people into revealing their account info, which may or may not be their own google account with their own private and personal info
So it makes sense as to why their focus is prioritized towards the account phishing over the "he took my thing and didnt give it back". No system is perfect, and there is no such thing as 100% efficiency. Which is why these phishers are an everyday battle.
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