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Why is it so important we talk about this? Some people are out there cruising with the intent of taking advantage of our community, and they are counting on us to feel ashamed. The internet is a playground for anonymity. It is not your fault.
A simple "no" should suffice; if it's meant to be, the budding relationship will survive your firm response! Watch out for emails or messages that sound desperate, pleading and persistent in response to your unwillingness to send money. This isn't love, it's money hunger. Just stay away if there are any signs of scams. Even if you manage to identify a scammer earlier rather than later, never confront them.