The article highlights the critical principle of financial management: it is more important to avoid losses rather than to focus solely on maximizing returns. A significant loss in assets can lead to a daunting recovery process, requiring a much higher return rate and often causing psychological distress. In times of bullish markets, anxiety can arise, causing individuals to fear being left behind, which is a vulnerability that fraudsters exploit.

In 2022, financial fraud, specifically through voice phishing, resulted in losses amounting to approximately 1.26 trillion won, reflecting a staggering 2.6-fold increase from the previous year's figures. This rise underscores a broader trend where the complexity of financial products and limited access to information create ripe conditions for scams to thrive. As more channels like KakaoTalk, Telegram, and YouTube proliferate, they provide fraudsters with the perfect platforms to lure individuals with the promise of exclusive information tailored for them.

Moreover, as mobile banking becomes more accessible, victims often find themselves sending money without sufficient deliberation. The misuse of artificial intelligence, particularly generative AI and deepfake technology, escalates the issue further, making it difficult for individuals even to verify the identities of those they are communicating with. Scammers can reproduce familiar voices and manipulate video calls to extract money, effectively undermining traditional verification methods. Overall, the intertwining of psychological manipulation, modern communication, and AI presents a significant threat to financial security.