Mary M is at a loss to explain how it happened. Why on earth would she agree to drain her savings and max out the cash advance limits on all her credit cards to put $35,000 into a cryptocurrency investment?

But the 70-year-old Vancouver resident says the “advisor” who called to pitch the supposedly low-risk, high-return scheme last spring just sounded so professional. Mary was also going through a rough patch following a breakup, a fire that destroyed her business, and health problems that prevented her from working other jobs.