Is it possible that millions of people who lack the critical evaluation skills to determine when they're being scammed are victims of malicious grifters instead of just being people who are to be dismissed? And is it possible that lacking intellectual and cognitive skills is a disability and we should approach disability with empathy?
When you relegate people to the "stupid" and "deranged" categories, you dismiss them as people capable of learning skills (even if they haven't already for skills that are considered "basic") or possessing any other valuable skill that contributes. Dismissing them also shifts the responsibility from the people who are trying to take their money and radicalize them for their own ideological purposes.
The people trying to exploit others are the ones we should be condemning.