https://www.bbc.com/news/world-us-canada-59327131 By Bernd Debusmann Jr BBC News To his listeners, William Neil "Doc" Gallagher was known as the "Money Doctor" - a charming financial guru who advertised his services on Christian radio, broadcast all over the American conservative 'Bible Belt' that stretches across North Texas. His adverts often concluded with a familiar slogan: "See you in church Sunday." "Doctor Neil Gallagher is a premier true American, with integrity in all his pursuits," a narrator says in a corporate video posted to YouTube. "His life's passion is to help people retire safe, early and happy." The three-minute video goes on to extol the benefits of the octogenarian's "visionary style", claiming he had guided more than 1,000 people to financial independence through his firm, Gallagher Financial Group, while also publishing a book, "Jesus Christ, Money Master". In reality, Gallagher was anything but. Instead, he was a fraudster who amassed $32m (£24m) in a Ponzi scheme that mostly targeted retired victims between the ages of 62 and 91. In Ponzi schemes, earlier investors generated "returns" by taking money from later investors, who are often promised considerable profits with little risk. These schemes rely on a steady flow of new joiners giving money to those already invested in order to continue. When that doesn't happen, the scam collapses. According to court documents, Gallagher had been defrauding people through a Ponzi scheme since at least 2013. His two companies, Gallagher Financial Group, Inc. and W. Neil Gallagher, Ph.D. Agency, Inc. were ordered shut by the US Securities and Exchange Commission in March 2019. Last month, he was given three life sentences in prison by a judge in Texas' Tarrant County, in addition to a 25-year sentence he had already received in Dallas in March 2020. Gallagher promised his victims returns of between 5% to 8% of their investment annually. Instead, they received nothing, with Gallagher spending most of the funds on personal and company expenses and to make payments to earlier investors. To hide the fraud, he also provided fake account statements showing false balances. The BBC was unable to reach Gallagher's attorney for comment. While Gallagher's scam garnered national media attention, his methods were far from new. Ponzi schemes are named after a notorious swindler from the 1920s, but versions of the scam date back to at least the mid-1800s. The medium Gallagher used to attract victims - Christian radio - has also been popular for decades, and has remained so even in the face of stiff competition from newer forms of media. Instead, Gallagher's nearly 200 victims highlight a different trend: elder fraud, a crime that the FBI believes is growing, costing billions of dollars each year. Among the people Gallagher preyed upon were a woman in her 70s suffering from lymphoma who invested more than half a million dollars; a commercial sandblaster, as well as serving and retired local police officers. Many victims were forced to sell homes, take loans from their children or return to work after retirement. It was the worst case of elder fraud she's seen in her career, Lori Varnell, the chief of the Tarrant County District Attorney's Elder Financial Fraud team, told the BBC. "These are individuals who worked their whole lives to save this money up. It was personal," Ms Varnell said. "They're devastated. It wasn't just the money. It was a betrayal." To reach his victims, Gallagher promoted his company's services in churches and through Christian radio, an umbrella term that encompasses thousands of stations across the country that broadcast Christian-oriented programming, from sermons and talk shows to music and news. Dating back to 1920 - the year commercial radio was first aired - Christian radio remains immensely popular in the US. More than 20 million listeners tune in each week, according to the Radio Advertising Bureau, an industry group. Ms Varnell said she wasn't surprised that Doc Gallagher would use Christian radio to dupe his victims. "Within the Christian community, there's a high level of trust. Especially here in the Bible Belt," she said. "Once you start speaking the Christian language, and using their words, their phrases, that will be a tell-tale sign to other Christians that you're a Christian." Once Gallagher established a sense of trust with his victims, they are less likely to "pay as much attention to the details" of what was happening, said Ms Varnell. This tactic is a prime example of 'affinity fraud', said David Fleck, a former Los Angeles prosecutor. In these schemes, fraudsters target members of an identifiable group, ranging from religious or ethnic communities to certain professions. In many cases, they use members of the group to unwittingly help advertise the scam to others and help convince people of its validity. Mr Fleck recalled one incident in which he prosecuted a man who was a member of six different churches. After gaining their trust, the man stole the identities of 25 different people he met at church, bought houses in their names and then collected cash from renters. In another example, a California man was arrested in 2017 for defrauding more than 200 Armenian immigrants of $19m by promising to invest their money in lucrative technology stocks. "You see it among all cultural groups and expatriates from all sorts of countries," Mr Fleck said. "Affinity fraud permeates all con games. It just makes it so much easier for the con artist." Officials say that the elderly are a particularly vulnerable affinity group. According to the FBI, millions of elderly Americans fall victim to fraud each year, accumulating more than $3bn in losses annually. Image caption, William Gallagher Jeffrey Cramer, a former federal prosecutor, said that the elderly are often lucrative targets for fraudsters who assume they have ample savings. "For the most part, they have more money because they've been working longer. Their house probably has equity and they've got a 401k [retirement savings]," Mr Cramer explained. "There's no sense trying to scam a 20-year-old. Someone in their 60s or 70s may have multiple investments and a house that's worth five times what they paid for it." Mr Cramer's assessment was echoed by Ms Varnell. In Gallagher's case, he also took advantage of "generational differences" among his victims, in addition to their faith, she said. "These are people who believe that when a man shook your hand and looked you in the eye, that was fine," she said. "They're built to believe people, because you don't lie. That's against the Ten Commandments." Fraud experts believe that only a fraction of all cases are reported. In instances that do go to court, victims are unlikely to see much - if any - of their money returned. The scammer often spends the money as quickly as it comes in, using it to continue making fraudulent payments or attempting to hide it in offshore accounts. In the Gallagher case, a court-appointed receiver was only able to recover approximately 14 cents on the dollar. Gallagher had spent much of the remainder, while the rest was laundered and remains unaccounted for. While the financial costs of frauds can be devastating for victims and their families, the real impact often runs deeper. "It takes an emotional and psychological toll," said Mr Cramer. "There's an embarrassment element when you've worked 20, 30, 40 years and you've got literally nothing to show for it." In court, many of Gallagher's victims spoke of that psychological toll. Among them was Susan Pippi, a 74-year-old who, with her husband, lost hundreds of thousands of dollars to the scheme. "I don't trust anybody anymore," she said in a statement released by Tarrant County prosecutors. "Except for God and my family." But these sorts of frauds are unlikely to go away, said Ms Varnell. A "concerted onslaught" of fraudsters - many of them abroad, are stealing the retirement funds of Americans at a rate of "millions every single day", she said. The elderly and their families must be on the lookout for warning signs. "If you purport to be a Christian, and someone's approaching you in the Christian realm, you should be extra suspicious," she said. "Be no less suspicious if you're Jewish, or Muslim, or whatever. If someone is approaching you on religious grounds, you should be very suspicious." Mr Cramer, for his part, said that affinity frauds are likely to become more common as younger, more tech-savvy generations come of age on social media. A fraudster can reach a much larger audience - but hide behind an account and disappear into the ether. Illustrations by Angelica Casas
Jesus warned that there would be wolves that appear to be sheep. Interestingly, there are also preachers and believers who have been jailed and persecuted as a consequence of simply sharing their faith or choosing to share their faith in dangerous places without regard for their own fate. In contrast to the article above about William Gallagher stands the Wikipedia entry about Adoniram Judson, a missionary to Burma in the 1800's, who endured harsh living conditions throughout his life for the greater good of others, so that they may be saved. William Gallagher was imprisoned for using Christianity as a cover for stealing. Adoniram Judson was imprisoned because he chose to be in a dangerous environment so that others could hear about Jesus. https://en.wikipedia.org/wiki/Adoniram_Judson One of the early disciples was U Shwe Ngong, a teacher and leader of a group of intellectuals dissatisfied with Buddhism, who were attracted to the new faith. He was a Deist skeptic to whose mind the preaching of Judson, once a college skeptic himself, was singularly challenging. After consideration, he assured Judson that he was ready to believe in God, Jesus Christ, and the atonement. Judson, instead of welcoming him to the faith, pressed him further asking if he believed what he had read in the gospel of Matthew that Jesus the son of God died on the cross. U Shwe Ngong shook his head and said, "Ah, you have caught me now. I believe that he suffered death, but I cannot believe he suffered the shameful death on the cross."[This quote needs a citation] Not long after, he came back to tell Judson, "I have been trusting in my own reason, not the word of God…. I now believe the crucifixion of Christ because it is contained in scripture." The essence of Judson's preaching was a combination of conviction of the truth with the rationality of the Christian faith, a firm belief in the authority of the Bible, and a determination to make Christianity relevant to the Burmese mind without violating the integrity of Christian truth, or as he put it, "to preach the gospel, not anti-Buddhism." By 1823, ten years after his arrival, membership of the little church had grown to 18, and Judson had finally finished the first draft of his translation of the entire text of the New Testament in Burmese. Anglo-Burmese War (1824–1826) Two irreconcilable hungers triggered the First Anglo-Burmese War of 1824: Burma's desire for more territory, and Britain's desire for more trade. Burma threatened Assam and Bengal; Britain responded by attacking and absorbing two Burmese provinces into her India holdings to broaden her trade routes to East Asia. The war was a rough interruption of the Baptists' missionary work. English-speaking Americans were too easily confused with the enemy and suspected of spying. Judson was imprisoned for 17 months during the war between the United Kingdom and Burma, first at Ava and then at Aung Pinle. Judson and Price were violently arrested. Officers led by an official executioner burst into the Judson home, threw Judson to the ground in front of his wife, bound him with torture thongs, and dragged him off to the infamous, vermin-ridden death prison of Ava. Twelve agonizing months later, Judson and Price, along with a small group of surviving Western prisoners, were marched overland, barefoot and sick, for six more months of misery in a primitive village near Mandalay. Of the sepoy British prisoners-of-war imprisoned with them, all but one died. The sufferings and brutalities of those 20 long months and days in prison, half-starved, iron-fettered, and sometimes trussed and suspended by his mangled feet with only head and shoulders touching the ground is described in detail by his wife, shortly after his release. Ann was perhaps the greater model of supreme courage. Heedless to all threats against herself, left alone as the only Western woman in an absolute and anti-Christian monarchy at war with the West, beset with raging fevers and nursing a tiny baby that her husband had not yet seen, she rushed from office to office in desperate attempts to keep her husband alive and win his freedom. The end of the war should have been a time of rejoicing for the mission. As soon as her husband was released by the Burmese, Ann wrote that one good result of the war could be that terms of the treaty which ceded Burmese provinces to the British might provide opportunity to expand the witness of the mission into unreached parts of the country. On October 24, 1826, Ann died at Amherst (now Kyaikkami), Burma, a victim of the long, dreadful months of disease, death, stress and loneliness that had been hers for 21 months. Their third child died six months later. She died while her husband was out exploring the ceded province of Tenasserim. ________________ Judson shook off a paralyzing year-long siege of depression that overcame him after the death of his wife and set out alone on long canoe trips up the Salween River into the tiger-infested jungles to evangelize the northern Karen. Between trips, he worked unceasingly at his lifelong goal of translating the entire Bible into Burmese.