If you haven't yet received the spam phone call that starts out "Hi grandma (grandpa), I'm in trouble and need your help."
Here is how a friend of mine handled that call while his grandson was sitting in the room with him.
I'm glad you called me. You haven't called in a while and it would be nice to hear from you once in a while.
I'm in big trouble grandpa. I was in an automobile accident, not my fault, and I have a broken nose, and I was arrested and I have a lawyer who who is confident he can get me out of jail in Texas but he needs some money so can you please send me some right away and please, don't tell my parents.
Were you drinking again? You promised me that you would quit and that was 2 years ago.
I only had 2 beers. I wasn't drunk and I really need the money for the lawyer to get me out of jail. Can't you send it right away? Please, grandpa!
Well I have remarried, and Jennie has control of my money and she will not like that. So, no, I cannot send you any money, and as far as I am concerned, you can rot in jail.