NEW YORK, NY – In a bold move signaling a new era of accountability, the burgeoning cryptocurrency sector has officially launched its 'Personal Responsibility Protocol' (PRP), a comprehensive initiative designed to shift the burden of financial fraud from platforms to individual investors. The PRP aims to combat the estimated billions lost annually to scams, hacks, and rug pulls by focusing on user education, specifically on how not to be a mark.

“For too long, we’ve allowed bad actors to prey on the unsuspecting,” stated blockchain ethics czar, Dr. Evelyn Thorne, during a press conference held entirely in the metaverse. “But the real problem isn't the anonymous, untraceable transactions or the lack of regulatory oversight. It’s that people keep falling for the same obvious tricks. We’re empowering users by teaching them to simply *not* do that.”

The initiative includes mandatory 'Scam-Spotting' webinars, a 'Due Diligence' NFT collection, and a hotline where victims can report their own financial missteps, receiving a certificate of participation instead of restitution. “It’s about fostering a culture of self-reliance,” added Thorne. “If you lose your life savings to a meme coin promising 1000x returns, that’s a learning opportunity, not a systemic failure.”

Industry insiders lauded the move as a pragmatic solution to persistent issues. “It’s elegant in its simplicity,” remarked venture capitalist Rex Sterling. “Why build more secure systems when you can just tell people to be smarter?”

Critics, however, suggest the PRP might be a sophisticated rebranding of the age-old practice of blaming the victim, a strategy previously perfected by the early cellular phone industry during its 'cloned cell phone' epidemic. The industry maintains that if users simply stopped having their digital wallets drained, there wouldn't be a problem.

Future plans include a 'Don't Get Hacked' hackathon, where participants compete to see who can avoid being compromised the longest, with the winner receiving a non-fungible token representing their superior judgment.