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This low-stakes con uses emotional traps to exploit generosity, making it harder to trust your instincts the next time around.

Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. Most people wouldn’t think twice about $20. That’s what makes this scam so effective — and so dangerous. The so-called “$20 scam” often involves someone asking to borrow money quickly — at a gas station…