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If mom is duped by scammers fluffing insulation, it's amazing that mom manged to survive to her age.
People learn by experience. People don't learn by being told.
Everything else you say Us2 is rhetoric, what you've read or been told to believe. It's obviously not from personal experience.
But hey! That's okay with me. It's up to you to have your experiences and learn from them as you mature in life.
Best of luck with that, Mate!
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Believe nothing, even if I tell it to you, unless it meets with your own good common sense and experience. - Siddhartha Gautama (The Buddha)
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