Especially at this time of year when obviously managing money can be tricky for people.
I think a lot of posters are genuinely just after advice or to share the emotional burden so to speak but I think there have been chancers in the past so people are understandably wary.
Would it be possible to disable the PM function or for MN to check PMs in such instances? I honestly think the damage is twofold: genuine posters are treated like trolls and trolls are treated like genuine posters and offered money and goods.