Does the PAYG thing actually make a difference? While I understand that it generally implies that you have less income to lose to a scam, there could also be a perception that people who are lower on the income scale are also less sophisticated when it come to spotting and avoiding those scams. In terms of more conventional scams, there are plenty of real people in prison who decided that scamming a large number of lower-middle income folks out of what little they have was just as viable as trying to get a lot out of a few more affluent victims.