Yang Yi, Hackett Katherine, Katta Srikar, Ludwig Rita M, Jarcho Johanna, Giovannetti Tania, Fareri Dominic S, Smith David V
Temple University, Philadelphia, PA, USA.
Icahn School of Medicine at Mount Sinai, New York, NY, USA.
Commun Psychol. 2025 Jun 5;3(1):88. doi: 10.1038/s44271-025-00266-x.
People lose tens of billions of dollars a year to financial exploitation in the United States alone. Few studies have examined how preferences for trust and fairness in economic activities may contribute to risk for financial exploitation. Furthermore, few studies have examined the interaction between risk factors. In three studies, we attempt to address these gaps by surveying 1918 (Study 1 = 680, Study 2 = 305, Study 3 = 933) demographically and socioeconomically diverse participants to examine putative risk factors for self-reported financial exploitation. We focused on: (1) how trust in others and fairness preferences during economic games are associated with self-reported financial exploitation; and (2) how sociodemographic and health-related factors interact with psychosocial factors to confer risk for financial exploitation. We found participants with lower socioeconomic status and poor emotion regulation skills were at the greatest risk for financial exploitation. We also found associations between greater risk for financial exploitation and poorer physical health, more severe cognitive decline, increased persuadability, and increased insensitivity to trustworthiness cues. Our findings suggest that risk for financial exploitation is dependent upon a combination of psychosocial, sociodemographic and health factors, which may lead to interventions that protect vulnerable individuals.
仅在美国，人们每年因金融剥削就损失数百亿美元。很少有研究探讨经济活动中对信任和公平的偏好如何可能导致金融剥削风险。此外，很少有研究考察风险因素之间的相互作用。在三项研究中，我们试图通过对1918名（研究1 = 680名，研究2 = 305名，研究3 = 933名）人口统计学和社会经济背景各异的参与者进行调查，来填补这些空白，以研究自我报告的金融剥削的假定风险因素。我们关注：（1）经济游戏中对他人的信任和公平偏好如何与自我报告的金融剥削相关联；（2）社会人口统计学和健康相关因素如何与心理社会因素相互作用，从而带来金融剥削风险。我们发现，社会经济地位较低且情绪调节技能较差的参与者面临金融剥削的风险最大。我们还发现，金融剥削风险较高与身体健康较差、认知衰退更严重、说服力增强以及对可信度线索的敏感度降低之间存在关联。我们的研究结果表明，金融剥削风险取决于心理社会、社会人口统计学和健康因素的综合作用，这可能会促使采取保护弱势群体的干预措施。
