It happens and anyone can get caught out.
In my pre UKP days, I wasn't so much caught as I let it happen.
I'd booked a girl from Bristol and she was happy to travel to Cardiff. She turned up, wasn't as pretty as her photos suggested and was standing in the apartment corridor smoking!
I wanted to tell her to leave but the little brain took over. Having paid her she told me she needed to pay her driver and left a travel bag and her phone as security. I guessed that there was nothing of value in the bag and that the phone would be crap but I realised that I didn't care!
So I pointed out that her phone number, profile pictures were a matter of record, showed her that her car and driver had been captured on the 'public' CCTV that surrounded the apartment block. And off she went, I watched the car drive off and to be honest wasn't that bothered!
As I sipped a drink a bit of anger sparked, so I called her, asked what she was doing and told her the car registration number. I further told her that, like the OP, I had nothing to hide or worry about and would contact the Police. So come back, return my money and all would be forgotten.
She simply said, "Fuck Off, tough shit!" Now I got angry.
So I called the Police, they were much more interested and acted immediately, they took the CCTV recording and the car was stopped at the Toll Booths, when there were booths in both directions. Questioned, brought back to Cardiff, I was invited to identify the girl.
She was charged with theft, her driver with aiding and abetting. As time went by he was identified as a pimp in Bristol and so further charges were brought against him.
Then it all went pear shaped. They pleaded guilty to some minor offences. As I had no way of identifying the money, I could not prove it was mine, so it was not returned to me, I should have kept the withdrawal slip from the hole in the wall.
So I ended up with no money, no sex but a great deal of satisfaction of calling out a scammer.