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Because if these rich can get scammed, your lovely retired grandparents/parents can get scammed too, and have no way of making that money back. They might literally have their lives ended early by scammed reducing their quality of living.
Rich =/= evil. But we also know that rich people, ironically, can be incredibly guarding of their money; not eager to part with it. So if those particular rich people are tricked into parting either money, it is bad for the rest of us.
And let's be honest: ordinary people imitate the rich, including following them off a cliff of bad investment, e.g into AI or cryptocurrency
Scammers usually have no idea if the person they're scamming is rich, poor, young or old. And they don't care. You can breathe a sigh of relief if the victim turns out to have more savings, but there's no point celebrating them having an amount stolen that would devastate you personally.
My mother recently told me that her friend's daughter, who is still in HIGH SCHOOL, had to take a break from classes to call her bank because of money being taken out of her account. The bank wouldn't pick up, which i think indicates that multiple people were getting attacked or stolen from. I bring this up because,
This is the principle of scamming. They rarely target the rich in particular.
when they're rich beyond a certain extent, they must be evil, because the way to amass such wealth would not be through honest labour. But otherwise I take your point
Even if it's true that the largest wealthy are only amassed through evil and dishonest deeds, it is also true that aome people come into their wealth via inheritance, and some genuinely have no idea what their relatives did to produce that generous inheritance.
Therefore at least some inheritors of great wealth are not evil.
Marxism is a valuable method of analysing the world but it should be used with added nuance - in conjunction with other philosophies for instance.