This is an edition of The Atlantic Daily, a newsletter that guides you through the biggest stories of the day, helps you discover new ideas, and recommends the best in culture. Sign up for it here. People are more susceptible to scams than they may think—and Americans are losing more money to fraud than ever. First, here are three new stories from The Atlantic: Falling for Fraud Americans passed a discomfiting benchmark last year: For the first time, they lost a collective $10 billion to fraud, according to data that the Federal Trade Commission released last month. Taking advantage of social isolation and unmet needs, scammers are using ever more sophisticated methods to tailor their grifts and blanket Americans with requests for money, gift cards, cryptocurrency, and personal information. Scammers often bring up sensitive topics such as romance, immigration, and finances to rile victims into a state of heightened emotion. This simple, devastating approach can make people act less rational than they would otherwise. The schemes can target specific insecurities: For people who are struggling …