Cozie, I agree with you that the vast majority of the people involved in these schemes are victims. And I don't judge them.
But I feel that once someone has been part of several schemes, see the dodginess and watch people that they recruited lose money, they cease to be a victim and become an active part of the scam.
With one exception. I do believe that stokeflatcoffeebot believes this time next year he will be a millionaire. His girlfriend, I'm convinced, it not that naive at all.