Lost money on a transaction

It happens when their brain twists and they realize that they get reward from scamming and nearly no punishment...at least initially.

After that, it becomes like an addiction. The scam brings rewards that cause endorphins to be released to the brain and satisfy the pleasure and reward centers. Any failures or punishments are then just seen as temporary set backs.

It really isn’t very different than gambling addicts.
I get the addiction part but what part of the brain shuts off morals? Is it something that you are taught or something you are born with? I have/had a really good friend he was genuinely a good person but as he got older he got more and more rotten. It started small and eventually lead to bigger more serious stuff. I agree with you about the no punishment part but I have seen people who do get punished keep making the same mistakes over and over. It's just a lack of empathy. I don't understand why that differs from person to person.