I know it sounds crazy but think of this. The job market generates billions of people world-wide seeking employment. They each have homes, cars, personal assets and personal documents. Can you see how the employment market can be a honey pot of targets for many criminals all over the world? VoIP is not a guaranteed secure method of communication. Wifi can be unprotected, especially if you are outside of North America on vacation. Scammers can use magic jacks or all kinds of highjacking technology to creep into wifi and scoop what they can off of as many people as possible.