A version of this story appeared in CNN Business’ Nightcap newsletter. To get it in your inbox, sign up for free here . New York CNN  —  We live in the golden age of grift. Most of us can’t go a day without at least one scammy text about an unpaid toll or a call from an unknown number with a shockingly human-like AI voice on the other side. The scale of the scam onslaught feels like it’s part of some Faustian bargain we all entered into: In exchange for the miracle of, like, access to all the