Are you an optimist? If so, you are more likely to be the victim of a scam. According to new research, optimistic people tend to get scammed more often because of their focus on the possible payout. The biggest factor in whether someone falls for such scams comes down to risk vs. reward. For example, one might think paying a paltry $5 for a possible $25,000 payout is worth it. But even as the fee was raised to as high as $100, the most optimistic were still convinced the risk would pay off. It may not be a scam, but I have never bought a lottery ticket in my life. Just call me a realist.