Have you ever been ripped off or scammed, before?

Yes, but it was my own fault for being so stupid. A co-worker was moaning about Christmas, and her bills, and stupidly I thought that anyone working at the Homeless Shelter was a good and honest person. I offered this woman my tax return money. I even made her sign a contract stating she would pay me back BEFORE my taxes were due. I ended up with no tax return money, and she disappeared.