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IME, propensity to be conned is correlated with exposure to cons, and has no relation to education, time preference, or intelligence. It's just about having the mental habit of double checking "Could this person be conning me?" and a willingness to accept when the indicators are yes.

I agree, but I think the word is skepticism. You don't need to be intelligent or educated to be skeptic. It's just a mental muscle: the more you doubt claims, the easier it becomes to doubt claims.