Scammers/hackers might be some of the smartest people in the world, at least in terms of their innovative attempts to steal money (aside from wallstreet and high level banker types).
Pfft. Please. As a class, the pinstriped bandits are rather dullardly. How many of them are there? How long have they had control of the financial system? A handful of grifting innovations since 1910 or so, followed by endless repetition of the same, does not constitute innovative nor smart.