The media carry many articles about fraud, misappropriation of funds and identity theft. It has grown to be such a problem that even tech-savvy young people are falling victim as well.

Is it a stranger who is most likely to steal from you? Not surprisingly, it’s the people you know best. Case-in-point: an Enid banker used the personal information of friends and associates to borrow under false pretenses resulting in the loss of $1.6 million.

That sort of thing happens to other people, right? I hope you and I are never involved in such a scheme, but the fact is that 90 percent of fraud is carri...