It's bad to scam someone.
James was faced with $20,000 of medical debt after surviving a car crash.
James wants to get rid of all his debt.
James declares bankruptcy and asks the court for mercy given his bad luck.
James starts calling people and telling them they can pay him a $200 processing fee to receive their next stimulus check early.
James' medical debt is discharged in bankruptcy, allowing him to start over.
James earns the money and isn't caught because he uses proxies to hide where he's calling from.