It's wrong to scam money from people.
Craig is out of a job and has a computer with a good internet connection at home.
Craig wants to earn money from home.
Craig signs up for some online survey sites and does surveys.
Craig runs a Nigerian email scam and gathers people's account numbers, then takes their money for himself.
The survey creators get usable data from Craig's work.
The people that give their account numbers lose their savings and have a hard time surviving.