Just automatically block the sentence "YOU NEED FUNDS" in a similar way that references to 420 and other drug references are automatically moderated. This would reduce fake users linking to external sites where I'm pretty sure they are NOT giving free money away or wanting to take care of your debts. Similarly any profile that promises to pay someone $1000 a month is clearly a scam and it should be easy to filter a few keywords and flag those profiles for review before they get a chance to spam other users. At the moment that would reduce about 75% of the spam messages and taps I'm currently receiving.