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Have you ever been talking to someone in pm and had a warning pop up from SW saying that if anyone asks you for money or your personal info to report

Them immediately?
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Yes. I think that should be a general TOS topic. What happens is some people complain and someone gets a "scarlet letter". That just creates a tool for people who want to harass someone. All they have to do is file a false complaint, and some poor sap gets a "scarlet letter".