The Digital Native Disadvantage: Why Younger American Investors Are Disproportionately Targeted by HYIP Schemes
Counterintuitively, the generation most comfortable with digital finance is also among the most frequently victimized by high-yield investment program fraud. This analysis examines the psychological, social, and platform-specific factors that make Gen Z and Millennial investors unusually susceptible to HYIP recruitment — and provides targeted, actionable guidance for how younger Americans can protect themselves in the online spaces where these schemes operate.