Fascinating and disturbing. I was hoping you’d explain how “Henry’s” 3-word reply ended up costing him $740k. Unless I’m missing something, it sounds like the scam involved far more participation from “Henry” than a single text reply consisting of 3 words even though that’s exactly what your setup implies.

In Chuck Palahnuik’s novel “Damned” part of his description of hell involves telemarketer banks. How right he was, tragically.