Obviously no scam is good, but I would argue the worst are the ones that prey on emotions to rob a person blind or worse. That's why there are urgent warnings for Illinois women to be aware there are current ploys that use text messages to lure victims into romance and banking problems.
It's a good practice to regularly check your bank account for errors and/or suspicious activity. That's true now more than ever as the FBI has issued a bulletin that there is a new scam where a hacker could be draining your Missouri bank account right now.