How AI Is Increasing Our Risk of Being Scammed

I spend a lot of time writing about the wonders of AI and how it’s changed my productivity, and I remain a big fan of AI. However, a disturbing downside is emerging, and it’s not getting talked about enough. 

On the one hand, AI tools help people like me create work products and summarize research findings as quickly as we can even think. On the other hand, studies are raising the alarm that AI is eroding our very ability to think. What happens when you pair this reality with a surge in increasingly sophisticated scams? Especially when many of them rely on one simple human weakness: reacting without thinking.

The Scam Economy Is Built on Speed and Emotion

In a recent Freakonomics podcast, Here’s Why You Are Constantly Fighting Off Scammers, host Stephen Dubner explores how modern scams operate. The takeaway isn’t just that scams are more common. It’s that they’re more industrialized.

Scammers are running highly efficient business operations that would be the envy of any marketer. They test scripts. They optimize messaging. They exploit timing. And most importantly, they trigger emotion, including:

• Urgency (“Your account will be locked in 30 minutes”)
• Fear (“Suspicious activity detected”)
• Opportunity (“You’ve been selected for…”)

The goal isn’t to outsmart you. It’s to get you to stop thinking.

AI Is Quietly Training Us to Think Less

At the same time, AI is changing how we work, and not always for the better.

We’re delegating writing, research, and in some cases decision-making. Over time, AI is changing our behavior. When wrestling with a question, we give up quickly and resort to prompting AI to get the answer. Instead of evaluating the information, we assume that what we’ve been presented with is correct and move on to the next task. 

If you stop going to the gym, your muscles weaken. When you rely on AI too much, you can lose the ability to handle any friction in the system. Your ability to pause, question, and think critically before acting diminishes. That’s the skill that scams depend on you not using.

Where These Trends Collide

When you combine scam tactics designed to trigger fast, emotional reactions with a population increasingly trained to trust outputs and skip analysis, we can be setting ourselves up for cognitive vulnerability.

AI doesn’t make it easier for people to be scammed on its own, but it reduces our ability to pause and verify information in the heat of the moment.

Fraud Prevention Is a Thinking Problem

Most fraud prevention advice focuses on using tools like two-factor authentication and strong passwords. Those things matter, but your ability to slow down, ask questions, and not jump to conclusions is incredibly important. In other words, you need to think before you react.

How to Strengthen Your “Thinking Muscle”

If you want to reduce your risk of being scammed, you need to actively practice thinking without AI support.

Here are a few ways to do that:

1. Delay Your First Reaction

When something feels urgent, assume that’s intentional. Make a commitment to not react immediately to any digital communication.

2. Force Yourself to Verify One Detail

Before clicking or responding, check one thing independently. Someone texts you that there is a suspicious purchase they need you to click and verify? Log in to your bank and look there. 

3. Use AI as a Second Step, Not the First

Try solving or analyzing problems on your own before prompting AI. Even if you’re wrong, the process matters. Then use AI to refine your thinking, not be a substitute for it.

4. Practice “Explain It Back” Thinking

If you can’t explain why something is true or legitimate in your own words, you probably don’t understand it well enough to act on it.

5. Watch for Emotional Triggers

Train yourself to notice when something is pushing urgency, fear, or excitement. That’s your signal to slow down rather than speed up.

The Real Risk Isn’t AI. It’s Passive Thinking.

AI is one of the most powerful tools we’ve ever had. But like any tool, it can change behavior.

If it becomes a shortcut for every decision, every question, and every response, we get faster, but we also get less engaged, which makes it easier to manipulate us.

The people who will thrive in the next phase of our economy won’t be the ones who use AI the most. They’re the ones who know when and when not to use it. Your ability to think is what makes you valuable, and it’s also a form of protection.