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Technology & Innovation

Why are scams getting worse?

Diane Davis

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Fake IRS emails. Zombie debt. Romance schemes. Grandparents scams. Cramming. Nefarious tech support offers. Sweepstakes fraud.

Yes, your suspicions are correct: Everyone is trying to con you right now.

The Federal Trade Commission received 1,304,002 reports of scams in the second quarter of this year, the agency’s most recent data, a 30% increase compared to the same period in 2019. Those include 667,507 reports of fraud, 286,855 cases of identity theft, and 355,630 other cons.

With so much more time on people’s hands—abandoned commutes due to permanent WFH policies and the Great Resignation, a shift to leisure time and hobbies that erupted back in March 2020—you’d think people would take a few minutes to really think about what some of these offers are about. But consumers often don’t give suspicious situations the scrutiny they deserve, experts say, and the COVID-19 pandemic has only worsened the situation.

Between January 1, 2020, and October 18, 2021, the FTC received 270,301 reports of fraud related to COVID-19 in some way—either directly linked to the virus or simply instances where victims cite the pandemic in their complaints. Those cons translate into a loss $588.22 million; the median financial hit is $392.

Fast Company asked experts why now appears to be the perfect storm for scammers to take advantage of people. Here are six reasons:

The siren call of extra cash

As millions of people contend with layoffs or furloughs—or the fear of layoffs and furloughs—or worry about paying their rent post-eviction moratorium or keeping their businesses without the help of Paycheck Protection Program funding, the appeal of a windfall is very alluring. That offer to partake in lottery earnings or rack up a nice pandemic side gig as a secret shopper is extra appealing.

“In social engineering, fear is one of the most effective psychological factors out there,” says scam expert Will Mendez, managing director of the New York City-based cybersecurity firm CyZen. “If people are afraid they can’t make any money or will lose their job, scammers take advantage of the fear. There’s little bit a greed, but people are looking to make money, and this opportunity [comes] and they’re more susceptible.”

Getting hit in vulnerable spots

Without the traditional avenues of dating open, more people may be feeling lonely, which means romance scams are on the rise. Seniors, unable to get together with friends to attend events and classes that once kept them busy during the day, are tempted to respond to mysterious text messages about a vaccine follow-up info or grandchildren in need of fast cash. Emails about stimulus payments catch the eye of parents with extra childcare responsibilities. Text messages that seem like they were meant for another person increasingly show up on phones. (Spoiler alert: They’re from scam bots, looking to bait you into replying.)

“Fraudsters won’t let a good disaster go to waste,” says Governors State University’s Bill Kresse, who is nicknamed Professor Fraud. “The pandemic just made people who might not otherwise be easy victims into easy victims. Desperation due to COVID brought a lot of that about.”

Other scams dip into easy loans, pandemic relief grants, fake-Venmo money requests, credit repair services, job opportunities, sponsorships for aspiring social-media influencers, tech support, and travel booking, according to a laundry list on the Better Business Bureau’s website. And with the Medicare and Affordable Care Act enrollment period underway since last week, expect more scams on this front, too.

“Whenever there’s a financial downturn, that’s one thing you’ll find,” points out Susan Grant, director of consumer protection and privacy at the Consumer Federation of America. “These scams are always around—like a low-level fever and they spike.”

Technology: pick your poison

Con artists know how to seek out and find consumers where they are. For instance, many WFH employees are at their computers, and when they step away from their laptops to, say, handle childcare responsibilities, they’re checking email and texts on their phone constantly. Then it’s back to computers, tablets, and phones for Zoom get-togethers with family and friends or hunkering down to watch the latest addictive offering on a streaming service. Then you’re back online to do grocery or holiday shopping.

The con artists know these are the best places to nab you.

“You’re spending most of your time connected to the internet and using technology,” Kresse explains. “The technology is helping. Between emails and texting and phony websites, the technology has also contributed to fraud.”

Besides bogus text messages and emails, consumers have to dodge requests from fake Facebook friends and sham food-takeout websites. And don’t forget about ransomware, spyware to steal financial information and passwords, and fake sob stories to get you to hand over money, usually in the form of wire transfers or gift cards.

Bye-bye, bouncing off

Once upon a time, the vast majority of people went to offices every day, where they were surrounded by plenty of coworkers, underlings, and bosses. There were plenty of people to run things by if they got an intriguing text about a funding offer or an attractive email that promised a major payoff. And even individuals not cocooned in a cubicle every day could turn to roommates or relatives or friends over drinks or during a trip to the movies to get some feedback.

But for many people, such constant contact has gone the way of the business handshake.

“Why are all these scams taking off? So many people are working from home, it makes victims all that more accessible, plus it makes them isolated,” Kresse explains.

Anchored on positivity

Amid the darkness of the pandemic, it’s natural to crave a bit of good news. When that ray of sunshine comes in the form of a hopeful email offering up a significant other, a business lifeline, a share of a literal or figurative goldmine, resisting is hard.

“Frankly, even in times that are not a public-health emergency, that’s just a constant running theme for lot of scams. This is your lucky day. It’s just human nature for that to be appealing to people. It may be in times of trouble, people are more susceptible to that,” Grant says. “The idea that you are somehow eligible or entitled or chosen to get a lot of money usually for little or no work and effort on your part is just really appealing to people and they want to believe.”

She adds that plenty of studies have confirmed that the desire to believe overcomes any doubt or misgivings that people may have. That desire is so powerful and hard to deflect that even law enforcement sometimes has trouble convincing people that a scam is a scam.

The takeaway is that now, more than ever, is the time for people to trust their gut.

“They’re willing to hit the mute button on the small voice in the back of their head,” Kresse says. “You really have to listen to that small voice . . . because that’s millions of years of evolution walking into danger. Desperate people don’t want to hear that. They are looking for some glimmer of hope and, sadly, the fraudsters know that.”

Carbs, nails-biting, and now this

The same feelings that are making people eat too many snack foods, overindulge in online shopping, pick fights with friends and loved ones, and spend hours in the middle of the night wide awake are enabling scammers to have their way with innocent consumers.

“There’s so much stress that our brains get short-circuited. An email comes in and I get money. It helps me get out of my rut,” Mendez sums up.

The anxiety is a hearty stew of COVID-related troubles, economic worries, racial justice concerns, and worries about the future. Everyone’s recipe is different, but the anxiety that cuts through it is universal. Whatever the makeup of your brain, these stressors don’t allow for much clear thinking, and in that void come poor choices.

“During the dark days of pandemic, people are scared and do not know what they’re doing. Scam artists can play off that,” Kresse says. “Stress causes bad decisions or not thinking through things as well as you should.”


Technology & Innovation

LLMs become more covertly racist with human intervention

Diane Davis

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LLMs become more covertly racist with human intervention

Even when the two sentences had the same meaning, the models were more likely to apply adjectives like “dirty,” “lazy,” and “stupid” to speakers of AAE than speakers of Standard American English (SAE). The models associated speakers of AAE with less prestigious jobs (or didn’t associate them with having a job at all), and when asked to pass judgment on a hypothetical criminal defendant, they were more likely to recommend the death penalty. 

An even more notable finding may be a flaw the study pinpoints in the ways that researchers try to solve such biases. 

To purge models of hateful views, companies like OpenAI, Meta, and Google use feedback training, in which human workers manually adjust the way the model responds to certain prompts. This process, often called “alignment,” aims to recalibrate the millions of connections in the neural network and get the model to conform better with desired values. 

The method works well to combat overt stereotypes, and leading companies have employed it for nearly a decade. If users prompted GPT-2, for example, to name stereotypes about Black people, it was likely to list “suspicious,” “radical,” and “aggressive,” but GPT-4 no longer responds with those associations, according to the paper.

However the method fails on the covert stereotypes that researchers elicited when using African-American English in their study, which was published on arXiv and has not been peer reviewed. That’s partially because companies have been less aware of dialect prejudice as an issue, they say. It’s also easier to coach a model not to respond to overtly racist questions than it is to coach it not to respond negatively to an entire dialect.

“Feedback training teaches models to consider their racism,” says Valentin Hofmann, a researcher at the Allen Institute for AI and a coauthor on the paper. “But dialect prejudice opens a deeper level.”

Avijit Ghosh, an ethics researcher at Hugging Face who was not involved in the research, says the finding calls into question the approach companies are taking to solve bias.

“This alignment—where the model refuses to spew racist outputs—is nothing but a flimsy filter that can be easily broken,” he says. 

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Technology & Innovation

I used generative AI to turn my story into a comic—and you can too

Diane Davis

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I used generative AI to turn my story into a comic—and you can too

The narrator sits on the floor and eats breakfast with the cats. 

LORE MACHINE / WILL DOUGLAS HEAVEN

After more than a year in development, Lore Machine is now available to the public for the first time. For $10 a month, you can upload 100,000 words of text (up to 30,000 words at a time) and generate 80 images for short stories, scripts, podcast transcripts, and more. There are price points for power users too, including an enterprise plan costing $160 a month that covers 2.24 million words and 1,792 images. The illustrations come in a range of preset styles, from manga to watercolor to pulp ’80s TV show.

Zac Ryder, founder of creative agency Modern Arts, has been using an early-access version of the tool since Lore Machine founder Thobey Campion first showed him what it could do. Ryder sent over a script for a short film, and Campion used Lore Machine to turn it into a 16-page graphic novel overnight.

“I remember Thobey sharing his screen. All of us were just completely floored,” says Ryder. “It wasn’t so much the image generation aspect of it. It was the level of the storytelling. From the flow of the narrative to the emotion of the characters, it was spot on right out of the gate.”

Modern Arts is now using Lore Machine to develop a fictional universe for a manga series based on text written by the creator of Netflix’s Love, Death & Robots.

The narrator encounters the man in the corner shop who jokes about the cat food. 

LORE MACHINE / WILL DOUGLAS HEAVEN

Under the hood, Lore Machine is built from familiar parts. A large language model scans your text, identifying descriptions of people and places as well as its overall sentiment. A version of Stable Diffusion generates the images. What sets it apart is how easy it is to use. Between uploading my story and downloading its storyboard, I clicked maybe half a dozen times.

That makes it one of a new wave of user-friendly tools that hide the stunning power of generative models behind a one-click web interface. “It’s a lot of work to stay current with new AI tools, and the interface and workflow for each tool is different,” says Ben Palmer, CEO of the New Computer Corporation, a content creation firm. “Using a mega-tool with one consistent UI is very compelling. I feel like this is where the industry will land.”

Look! No prompts

Campion set up the company behind Lore Machine two years ago to work on a blockchain version of Wikipedia. But when he saw how people took to generative models, he switched direction. Campion used the free-to-use text-to-image model Midjourney to make a comic-book version of Samuel Taylor Coleridge’s The Rime of the Ancient Mariner. It went viral, he says, but it was no fun to make.

Marta confronts the narrator about their new diet and offers to cook for them. 

LORE MACHINE / WILL DOUGLAS HEAVEN

“My wife hated that project,” he says. “I was up to four in the morning, every night, just hammering away, trying to get these images right.” The problem was that text-to-image models like Midjourney generate images one by one. That makes it hard to maintain consistency between different images of the same characters. Even locking in a specific style across multiple images can be hard. “I ended up veering toward a trippier, abstract expression,” says Campion.

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Technology & Innovation

The robots are coming. And that’s a good thing.

Diane Davis

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The robots are coming. And that’s a good thing.

What if we could throw our sight, hearing, touch, and even sense of smell to distant locales and experience these places in a more visceral way?

So we wondered what would happen if we were to tap into the worldwide community of gamers and use their skills in new ways. With a robot working inside the deep freezer room, or in a standard manufacturing or warehouse facility, remote operators could remain on call, waiting for it to ask for assistance if it made an error, got stuck, or otherwise found itself incapable of completing a task. A remote operator would enter a virtual control room that re-created the robot’s surroundings and predicament. This person would see the world through the robot’s eyes, effectively slipping into its body in that distant cold storage facility without being personally exposed to the frigid temperatures. Then the operator would intuitively guide the robot and help it complete the assigned task.

To validate our concept, we developed a system that allows people to remotely see the world through the eyes of a robot and perform a relatively simple task; then we tested it on people who weren’t exactly skilled gamers. In the lab, we set up a robot with manipulators, a stapler, wire, and a frame. The goal was to get the robot to staple wire to the frame. We used a humanoid, ambidextrous robot called Baxter, plus the Oculus VR system. Then we created an intermediate virtual room to put the human and the robot in the same system of coordinates—a shared simulated space. This let the human see the world from the point of view of the robot and control it naturally, using body motions. We demoed this system during a meeting in Washington, DC, where many participants—including some who’d never played a video game—were able to don the headset, see the virtual space, and control our Boston-based robot intuitively from 500 miles away to complete the task.


The best-known and perhaps most compelling examples of remote teleoperation and extended reach are the robots NASA has sent to Mars in the last few decades. My PhD student Marsette “Marty” Vona helped develop much of the software that made it easy for people on Earth to interact with these robots tens of millions of miles away. These intelligent machines are a perfect example of how robots and humans can work together to achieve the extraordinary. Machines are better at operating in inhospitable environments like Mars. Humans are better at higher-level decision-making. So we send increasingly advanced robots to Mars, and people like Marty build increasingly advanced software to help other scientists see and even feel the faraway planet through the eyes, tools, and sensors of the robots. Then human scientists ingest and analyze the gathered data and make critical creative decisions about what the rovers should explore next. The robots all but situate the scientists on Martian soil. They are not taking the place of actual human explorers; they’re doing reconnaissance work to clear a path for a human mission to Mars. Once our astronauts venture to the Red Planet, they will have a level of familiarity and expertise that would not be possible without the rover missions.

Robots can allow us to extend our perceptual reach into alien environments here on Earth, too. In 2007, European researchers led by J.L. Deneubourg described a novel experiment in which they developed autonomous robots that infiltrated and influenced a community of cockroaches. The relatively simple robots were able to sense the difference between light and dark environments and move to one or the other as the researchers wanted. The miniature machines didn’t look like cockroaches, but they did smell like them, because the scientists covered them with pheromones that were attractive to other cockroaches from the same clan.

The goal of the experiment was to better understand the insects’ social behavior. Generally, cockroaches prefer to cluster in dark environments with others of their kind. The preference for darkness makes sense—they’re less vulnerable to predators or disgusted humans when they’re hiding in the shadows. When the researchers instructed their pheromone-soaked machines to group together in the light, however, the other cockroaches followed. They chose the comfort of a group despite the danger of the light. 

JACK SNELLING

These robotic roaches bring me back to my first conversation with Roger Payne all those years ago, and his dreams of swimming alongside his majestic friends. What if we could build a robot that accomplished something similar to his imagined capsule? What if we could create a robotic fish that moved alongside marine creatures and mammals like a regular member of the aquatic neighborhood? That would give us a phenomenal window into undersea life.

Sneaking into and following aquatic communities to observe behaviors, swimming patterns, and creatures’ interactions with their habitats is difficult. Stationary observatories cannot follow fish. Humans can only stay underwater for so long. Remotely operated and autonomous underwater vehicles typically rely on propellers or jet-based propulsion systems, and it’s hard to go unnoticed when your robot is kicking up so much turbulence. We wanted to create something different—a robot that actually swam like a fish. This project took us many years, as we had to develop new artificial muscles, soft skin, novel ways of controlling the robot, and an entirely new method of propulsion. I’ve been diving for decades, and I have yet to see a fish with a propeller. Our robot, SoFi (pronounced like Sophie), moves by swinging its tail back and forth like a shark. A dorsal fin and twin fins on either side of its body allow it to dive, ascend, and move through the water smoothly, and we’ve already shown that SoFi can navigate around other aquatic life forms without disrupting their behavior.

SoFi is about the size of an average snapper and has taken some lovely tours in and around coral reef communities in the Pacific Ocean at depths of up to 18 meters. Human divers can venture deeper, of course, but the presence of a scuba-­diving human changes the behavior of the marine creatures. A few scientists remotely monitoring and occasionally steering SoFi cause no such disruption. By deploying one or several realistic robotic fish, scientists will be able to follow, record, monitor, and potentially interact with fish and marine mammals as if they were just members of the community.

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