You’d never fall for an online scam, right?  — Wrong, says cybersecurity expert. Con artists use time-tested tricks that can work on anyone regardless of age, IQ — what’s changed is scale. Online scams are on the rise. Last year, American consumers lost $12.5 billion due to cybercrime, which represents a 22 percent increase over the previous year, according to a report by the FBI. Cybercriminals use psychological trickery to dupe victims into giving up their money, and their tactics are becoming more sophisticated. They post fake ads on social media platforms, send emails with phishing links or malware, and recently in the Boston area, solicit payments for unpaid tolls via text message.