"Friends", neighbors, strangers, family, distant relatives (close and distant, including some they never knew existed), scam artists, real estate agents, insurance agents, car salesmen, fake charities, real charities, etc. ALL call day and night. I'm sure they also get calls from real telemarketers despite being on any DO NOT CALL list.

Most are just PLAYING the lottery, hoping to win to ease their financial problems, then when they do, instead of paying stuff off, they buy all new stuff. So, when the money's gone, they STILL own money, and usually MORE than they did before.

For safety, they need to move to gated, secured housing, which costs bucks, too.

The ones we DON'T hear about usually were intelligent enough to get a financial advisor, and they're doing what they want and need, probably on investments and interest.