Commentary Americans are now deeper in debt than at any other time in our nation’s history. Especially acute are mounting debts on past-due mortgage payments, student loans, and medical bills. In fact, medical debt is one of the most often-mentioned causes of personal bankruptcies in the United States, and the situation has only gotten worse during the pandemic. So, is it any wonder that criminal minds would turn to scams to exploit those suffering from financial woes? “Do not hang up,” the robocall voice sternly instructs. “Your case has been referred to law enforcement for nonpayment. A warrant for your arrest is being issued.” Millions have gotten these prerecorded phony phone calls designed to keep the recipient on the line to see what the threat is all about. Between our home and cell phones, my husband and I get at least one every other day—even though we joined the Federal …