Beware of this E-Mail: 'ACH Payment Canceled'

I received one of these e-mails this morning.  Of course, I did not click on the link.  It's a malware scam and is explained here.

Being a conservative, I am a firm believer in 'blaming the victim' (within limits of course!)  If you allow yourself to be victimized, then you share some of the responsibility for the crime.  So I say you have a moral responsibility to not allow yourself to become a victim, to the extent that this is possible.  You have a moral responsibility to yourself and to others.