By Jeanette Pavini Prizes, sweepstakes, and lotteries, along with business and job opportunities are the most common bait used to rip off consumers, especially older consumers. Here’s a staggering number: reported fraud losses in the U.S. in 2021 increased more than 70% over 2020 to more than $5.8 billion. It seems fraudsters are taking advantage of the vulnerabilities that have come along with a global pandemic. Newly released data from the Federal Trade Commission shows impostor scams and online shopping scams top the list of 2.8 million consumer reports of fraud. Prizes, sweepstakes, and lo…