I honestly don't think America has a culture of scamming in the traditional lying-and-swindling sense. I have no evidence to back my claims, but I think in a lot of other countries you have to much more wary that businesses are straight-up lying to you. On the other hand, I think I agree with Scott Adams when he says that a lot of American businesses are "confusopolies". They inundate consumers with options, purchasing plans, agreements, contracts, and all sorts of unnecessary business models designed to overwhelm consumers- none of which is necessarily fraudulent. But the net effect is either frustrating consumers to the point that they will accept a worse deal than they should, or leading the customer to believe they made a wise choice when in reality they didn't have much of a choice at all.