Scams are still scams, high tech, low tech, central bank, Wall Street or otherwise.
Look no further than your: "We're from the government and we're here to help you." We'd use the term succor, but that most likely would get us in trouble with the protection police. With the kind of protection we refer to here in the listed link, given a choice, most of us would say: "Protection? We don't need no stinking protection."
http://www.testosteronepit.com/home/2014/2/22/why-the-government-wants-to-shortchange-american-seniors.html
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