The “IRS” is on the phone. They’re saying you owe back taxes and need to pay immediately using cryptocurrency, or you’ll be arrested. You reach for your wallet but then think — WAIT — is this really the IRS? Or is it someone impersonating the IRS? According to the latest FTC data , impersonation scams were the top reported scam in 2022. The FTC got more than 700,000 reports about impersonation scams, with one in five including loss of money. So...