First of all, this map is wrong. Every state except Alaska, Florida, Nevada, South Dakota, Texas, Washington, and Wyoming should be bright red for stealing hard earned cash from people who did nothing wrong.
This map is trying to mock more severe problems that people face. Nobody is going to fraud you to death tonight. Right?
Fraud is just a typical manifestation of the free market. If someone commits fraud against you, you had the free agency to enter a deal with them. You should have been more careful with your money, but at least the market will correct after enough people get burned.
The state, however, will throw your ass in jail if you don't pay.