A forensic psychologist explains why intelligence and education don't protect against fraud—scammers exploit emotion over reason through social engineering. AI-enabled deepfakes intensify the threat by creating convincing fake identities. The core vulnerability isn't IQ but EQ: when triggered by greed, fear, or delusion, the brain's emotional amygdala overrides logical reasoning. Thai SMEs and professionals should recognize that fraud success depends on manipulating emotions during high-pressure decisions, not outsmarting technology defenses.