Brain changes may make older people vulnerable to fraud

 

USA

Despite long experience with the ways of the world, older people are especially vulnerable to fraud. According to the Federal Trade Commission, up to 80 percent of scam victims are over 65.

 One explanation may lie in a brain region that serves as a built-in crook detector. Called the anterior insula, this structure — which fires up in response to the face of an unsavory character — is less active in older people, possibly making them less cagey than younger folks, a new study finds.

Both FTC and the Federal Bureau of Investigation have found that older people are easy marks due in part to their tendency to accentuate the positive. According to social neuroscientist Shelley Taylor of the University of California, Los Angeles, research backs up the idea that older people can put a positive spin on things — emotionally charged pictures, for example, and playing virtual games in which they risk the loss of money. "Older people are good at regulating their emotions, seeing things in a positive light, and not overreacting to everyday problems," she says. But this trait may make them less wary.

To see if older people really are less able to spot a shyster, Taylor and colleagues showed photos of faces considered trustworthy, neutral, or untrustworthy to a group of 119 older adults (ages 55 to 84) and 24 younger adults (ages 20 to 42). Signs of untrustworthiness include averted eyes; an insincere smile that doesn't reach the eyes; a smug, smirky mouth; and a backward tilt to the head. The participants were asked to rate each face on a scale from -3 (very untrustworthy) to 3 (very trustworthy).

In the study, appearing online Monday in the Proceedings of the National Academy of Sciences, the "untrustworthy" faces were perceived as significantly more trustworthy by the older subjects than by the younger ones. The researchers then performed the same test on a different set of volunteers, this time imaging their brains during the process, to look for differences in brain activity between the age groups. In the younger subjects, when asked to judge whether the faces were trustworthy, the anterior insula became active; the activity increased at the sight of an untrustworthy face. The older people, however, showed little or no activation.

Taylor explains that the insula's job is to collect information not about others but about one's own body — sensing feelings, including "gut instincts" — and present that information to the rest of the brain. "It's a warning bell that doesn't seem to work as well in older people." By habitually seeing the world in a positive light, older people may be overriding this warning signal, she says. "It looks like the brain is conspiring with what older people do naturally."

Whether the insula activates in response to non-facial cues, such as telephone scams (a particular problem for older people), remains unclear, says Taylor, since the study was limited to faces.

The new study is the first to show a characteristic pattern of brain activation in a "social" situation involving the assessment of another person's trustworthiness, says psychologist Lisbeth Nielsen of the National Institute on Aging in Bethesda, Md. (Though NIA funded the project, Nielsen was not involved in the study.)

A question to be addressed in future research, she says, is whether decreased activity in the insula is the cause or the effect of older peoples' more positive outlook. "It may be that older people engage with the world in a certain way and this is reflected in the brain activity."

If so, she adds, older people could work on becoming more cautious. For example, they could be taught to look out for the facial signs of untrustworthiness. "Just because the insula isn't being activated doesn't mean it can't be."

- - -

This is adapted from ScienceNOW, the online daily news service of the journal Science. http://news.sciencemag.org

Suggested Topics
Start your day with The Independent, sign up for daily news emails
Voices
Lucerne’s Hotel Château Gütsch, one of the lots in our Homeless Veterans appeal charity auction
charity appeal
Arts and Entertainment
Tony Hughes (James Nesbitt) after his son Olly disappeared on a family holiday in France
tv
Arts and Entertainment
The Apprentice candidates Roisin Hogan, Solomon Akhtar, Mark Wright, Bianca Miller, Daniel Lassman
tvReview: But which contestants got the boot?
Arts and Entertainment
Jim Carrey and Jeff Daniels ride again in Dumb and Dumber To
filmReview: Dumb And Dumber To was a really stupid idea
PROMOTED VIDEO
Have you tried new the Independent Digital Edition apps?
News
ebooksNow available in paperback
News
people

Jo from Northern Ireland was less than impressed by Russell Brand's attempt to stage a publicity stunt

Sport
Scunthorpe goalkeeper Sam Slocombe (left) is congratulated by winning penalty taker Miguel Llera (right)
football
Life and Style
A woman walks by a pandal art installation entitled 'Mars Mission' with the figure of an astronaut during the Durga Puja festival in Calcutta, India
techHow we’ll investigate the existence of, and maybe move in with, our alien neighbours
Arts and Entertainment
Sir Ian McKellen tempts the Cookie Monster
tvSir Ian McKellen joins the Cookie Monster for a lesson on temptation
News
i100
Travel
Tourists bask in the sun beneath the skyscrapers of Dubai
travelBritish embassy uses social media campaign to issue travel advice for festive holiday-makers in UAE
Arts and Entertainment
Jennifer Saunders stars as Miss Windsor, Dennis's hysterical French teacher
filmJennifer Saunders and Kate Moss join David Walliams on set for TV adaptation of The Boy in the Dress
Life and Style
tech
Sport
Nabil Bentaleb (centre) celebrates putting Tottenham ahead
footballTottenham 4 Newcastle 0: Spurs fans dreaming of Wembley final after dominant win
Voices
Jimmy Mubenga died after being restrained on an aircraft by G4S escorts
voicesJonathan Cox: Tragedy of Jimmy Mubenga highlights lack of dignity shown to migrants
Life and Style
Sebastian Siemiatkowski is the 33-year-old co-founder and CEO of Klarna, which provides a simple way for people to buy things online
tech
Latest stories from i100
Have you tried new the Independent Digital Edition apps?
Independent Dating
and  

By clicking 'Search' you
are agreeing to our
Terms of Use.

iJobs Job Widget
iJobs General

Ashdown Group: Helpdesk Analyst

£25000 per annum: Ashdown Group: An established media firm based in Surrey is ...

Ashdown Group: Java Developer - Hertfordshire - £47,000 + bonus + benefits

£40000 - £470000 per annum + bonus: Ashdown Group: Java Developer / J2EE Devel...

Ashdown Group: Head of Finance - Financial Director - London - £70,000

£70000 per annum: Ashdown Group: Head of Finance - Financial Controller - Fina...

Recruitment Genius: Business Development Executive - Nationwide - OTE £65,000

£30000 - £65000 per annum: Recruitment Genius: This small technology business ...

Day In a Page

Jeb Bush vs Hillary Clinton: The power dynamics of the two first families

Jeb Bush vs Hillary Clinton

Karen Tumulty explores the power dynamics of the two first families
Stockholm is rivalling Silicon Valley with a hotbed of technology start-ups

Stockholm is rivalling Silicon Valley

The Swedish capital is home to two of the most popular video games in the world, as well as thousands of technology start-ups worth hundreds of millions of pounds – and it's all happened since 2009
Did Japanese workers really get their symbols mixed up and display Santa on a crucifix?

Crucified Santa: Urban myth refuses to die

The story goes that Japanese store workers created a life-size effigy of a smiling "Father Kurisumasu" attached to a facsimile of Our Lord's final instrument of torture
Jennifer Saunders and Kate Moss join David Walliams on set for TV adaptation of The Boy in the Dress

The Boy in the Dress: On set with the stars

Walliams' story about a boy who goes to school in a dress will be shown this Christmas
La Famille Bélier is being touted as this year's Amelie - so why are many in the deaf community outraged by it?

Deaf community outraged by La Famille Bélier

The new film tells the story of a deaf-mute farming family and is being touted as this year's Amelie
10 best high-end laptops

10 best high-end laptops

From lightweight and zippy devices to gaming beasts, we test the latest in top-spec portable computers
Michael Carberry: ‘After such a tough time, I’m not sure I will stay in the game’

Michael Carberry: ‘After such a tough time, I’m not sure I will stay in the game’

The batsman has grown disillusioned after England’s Ashes debacle and allegations linking him to the Pietersen affair
Susie Wolff: A driving force in battle for equality behind the wheel

Susie Wolff: A driving force in battle for equality behind the wheel

The Williams driver has had plenty of doubters, but hopes she will be judged by her ability in the cockpit
Adam Gemili interview: 'No abs Adam' plans to muscle in on Usain Bolt's turf

'No abs Adam' plans to muscle in on Usain Bolt's turf

After a year touched by tragedy, Adam Gemili wants to become the sixth Briton to run a sub-10sec 100m
Calls for a military mental health 'quality mark'

Homeless Veterans campaign

Expert calls for military mental health 'quality mark'
Racton Man: Analysis shows famous skeleton was a 6ft Bronze Age superman

Meet Racton Man

Analysis shows famous skeleton was a 6ft Bronze Age superman
Garden Bridge: St Paul’s adds to £175m project’s troubled waters

Garden Bridge

St Paul’s adds to £175m project’s troubled waters
Stuff your own Christmas mouse ornament: An evening class in taxidermy with a festive feel

Stuff your own Christmas mouse ornament

An evening class in taxidermy with a festive feel
Joint Enterprise: The legal doctrine which critics say has caused hundreds of miscarriages of justice

Joint Enterprise

The legal doctrine which critics say has caused hundreds of miscarriages of justice
Freud and Eros: Love, Lust and Longing at the Freud Museum: Objects of Desire

Freud and Eros

Love, Lust and Longing at the Freud Museum