Jennifer Woodruff has survived two hurricanes — one literal, on figurative.

One was Hurricane Helene: In 2024, the storm destroyed her art studio, her car and her house in Asheville, North Carolina. The other, in 2022, was losing $550,000 in a series of cryptocurrency scams.

Criminals targeted Woodruff, now 49 and living in Atlanta, through romance and investment scams. She went from being an art teacher and owning multiple rental properties to living with a friend while trying to rebuild her life.

“It’s more damaging than people realize,” Woodruff says. “You can’t physically see the landslides or…