You make a great point - not all of us have the same capacities and there need to be protections in place to prevent people falling for scams - but I just don’t know where the line is between personal responsibility and collective responsibility. Like, for society to function, we all need to assume some amount of collective responsibility to protect others but that can’t be at 100%. People need to take some amount of personal responsibility for their actions, otherwise we slide towards a society with no learning and no repercussions which is a recipe for disaster and collapse.

It’s a tenuous relationship, and extremely context-dependent, so I don’t think that there is an objective and quantitative answer to the question. Would make an interesting philosophical/ethical debate though.