I could give this advice to thousands of people and they would all just laugh at me or say do I look like a moron? I only know of one person who may fall for the lotto scam and that is my 83 year old father-in-law. The vast majority of lotto scam victims are the elderly and I don't fully understand why they fall for it, but then I'm not old. People do lose their memory and mental capacities with age or certain diseases, but I think there's more to it. I think many elderly don't make good decisions under pressure, especially when they're being scammed or threatened. Also, many in the older generation are not technically savvy and they can be too trusting of strangers.
I could be dead wrong but your statement "Americans send millions of dollars to Jamaicans because they "won" millions of dollars in a contest they never entered and need to send payment to collect their "winnings"" sounds to me like you feel the victims are stupid or partially to blame. The criminals that pull off these scams have very sophisticated methods of building trust with their victims and they are also persuasive, tricky, and sometimes threatening. Again, under pressure the elderly often make poor choices, are easily confused, and for some reason they don't consult their family (maybe they want to demonstrate their independence).
My father-in-law recently had a $4000 water softener installed in his 1600 sq. foot house that's about 75 years old. The house doesn't even have a dishwasher and it needs kitchen and bathroom remodeling, new carpets, and a new roof but he had the water softener put in because some sales guy convinced him to. My father-in-law lives by himself now as his wife died a decade ago and he didn't bother to consult any of his children prior to his purchase. Shamefully, I told my wife he was an idiot for it but in reality he made a poor choice due to his age and dementia. But in his case, he wasn't really scammed as he got what he paid for, he just fell for the salesman's persuasion.
In my opinion, the criminals in Jamaica that are targeting the elderly in the lotto and other scams are 100% responsible for their actions and should be held accountable. My wife and I just got back from our first trip to Negril a couple of weeks ago and while we had a great time, we had several people who tried to scam us. I wasn't going to write a review but maybe I will to let others know what we encountered.