Sorry to hear about that, DR John G. That kind of scam is scary, and the whole thing is depressing.
Oddly, I had a strong sense of deja vu reading your post. I guess these scams have been talked about enough that it's bound to sound familiar. I must have read a detailed case history of one of them. What's so alarming is the extent to which the scammers have studied their prey enough to feel very sure of what they can get away with. So, to succeed like that without being checked on and having it fall through -- well, like I said, that's scary.