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In general, fraudulent psychology is based on two essential and natural qualities or abilities of a person – their propensity for theft and deceit. A fraudster is always a thief and a liar. Unlike non-fraudsters, their ability to steal or deceive is not suppressed and is not under the control of positive human qualities like honesty, truthfulness, integrity, respect for the law, for others, their property, and health, etc. Instead, these abilities are activated, manifested, and realized in their actions. This alone gives rise to a set of psychological characteristics in the mind of a fraudster.

On one hand, it leads to the conspiratorial and secretive nature of the fraudster. On the other hand, it results in their heightened and intensified attention to "ill-placed" things, gullible or helpless individuals, gaps in the legislation, etc., as well as to the "guardians of the law" and the object of fraud, which is simultaneously seen as a potential victim and a revealer of the fraud. Suspicion, high levels of anxiety, mobilization, dynamic consciousness, and emotional reactions are all part of the psychology of a fraudster due to an awareness of the criminal nature of their intentions, the risk of exposure, and the criminality of their actions. The dynamism of the mind helps overcome failures, thanks to the high activity of the displacement mechanism. This is due to the "search and experimental" nature of the fraudster's thinking, which operates on the principle of "trial and error/success."

Another set of traits in the psychology of fraud is related to its inherent dishonesty. Deceit breeds insincerity, cunning, treachery, deceitfulness, indifference, callousness, heartlessness, unscrupulousness, cruelty, rudeness, cynicism, audacity, humiliation of their kind, trampling on their rights and dignity, and more.

However, lies and deception are offensive to everyone, including those who are inclined to profit from deceit. Those who resort to fraud, in essence, diminish and trample upon their own dignity. Essentially, a fraudster is a worthless individual, consciously choosing the path of degradation and decay of their humanity and all the positive and constructive resources inherent in each of us by the mere fact of our birth. The situation is exacerbated by the fact that any degree of realization of one's own worthlessness, any level of feeling it, generates a loop of negative feedback, leading to increased bitterness in the individual, greater cynicism, and baseness. It is rare for someone to break free from this vicious circle of degradation, but cases of breaking the cycle of degradation have occurred and continue to occur.

These breakthroughs are always possible when a person finds the strength, gathers the courage, determination, and will to become a person worthy of genuine respect and self-respect.