Some yelling [***] telling me that I can qualify for a loan if I regularly deposit $6000 or something. Who gets one of these and immediately thinks "Yes. This is a good idea."?
Unfortunately many people, which is why this scam persists. They are making money off of it with no chance of being caught and even if they are they are in some foreign country that doesn't care as long as the criminal gives the officials their fare share of the money.