Modern fraud does not look like fraud; it looks like a normal transaction that a reasonable person authorizes. This article explains why that distinction matters more than any other fact about a scam, because the law treats an unauthorized transfer very differently from one the victim was tricked into making. It walks through the recovery hierarchy — which payment methods have statutory protections, which have voluntary ones, and which have none — and explains what to do in the first hour, which is when most recoverable money is either recovered or lost. It follows two fictional victims through the same loss with different payment methods and very different outcomes. The practical thesis is that the payment method determines the remedy.