Earlier quoted context omitted.
I imagine she has almost certainly not met anyone in person, that's how these scams work.
No, she met someone in person, which made the whole thing a little more scary. They went out to dinner, twice in a single week. From what I can gather, she met someone , but I doubt it was the same guy she's talking to over txt.
Last time I was there, a couple of guys tried to entice me into joining them. Said I would be very successful, I could act as a UN attaché or whatever. Then they told me about a guy from somewhere in SE Asia, don't remember which country but I guess they have debtor's jail, because he had indebted himself and risked prison. He managed to get out and went to Ghana to try and get his money back. He turned out to start working with them instead, a couple of months later he had a mansion and three luxury cars. There are all kinds of crazy stories.
The thing is, most of the scammers and the victims are similar (not the romance scam but the Nigerian letters). They are after a quick buck and don't care much for morals (that's why the money is always someone else's, since by accepting you are entering a conspiracy with the scammer, and you are hesitant to tell someone about it). They live large and spend a lot of money, mostly on worthless consumer stuff like expensive liquor, cars, watches and so on. So the money goes back to the West (North, really) again.
I tried to convince a guy I have come to know a little to invest instead, to build something in his community. He told me about a scammer meeting his client (that's what they call the victims) in Hamburg. He picked up half a million Euro in cash. Took it to buy trucks and other machinery and sent it to Ghana and set up a profitable leasing service in Tema, the main harbour. Another guy built a small but popular mall.
I doubt most of the con artists have a good idea of what happens to their clients though, or that they think about it much. The workers are young and enthusiastic, and the big boys don't give a damn. Many victims turn mad, happened to a friend's uncle who got hooked way back when they sent faxes.
The trick is simple yet powerful - obviously the letters are made to funnel gullible people, but also greedy people with low morals. This would help the scammer justify it to himself. Another justification is that their countries have already been robbed for centuries. By entering a conspiracy, the client will be hesitant to tell anyone about it. After that, it's just the sunk costs fallacy, or "sending good money after bad". Every time the stakes are higher, but the choice is to keep believing you will get paid or say bye bye to even more money than you're sending, and accept the truth. It might also partly be an exploit of the looser bonds between people, where many of us have individual economy and are reticent to share our financials/earning/spending with others, even close friends and family, and especially if we suspect they might disagree.
Scammers are also quick to exploit current events. Last time I went to visit, one guy showed me a con he was working on which was a romance con. He acted as a British officer stationed in Iraq, who had come across some of all of the lost billions of dollars the US brought there in cash.
There are a lot of 419ers in Ghana, disliked by many but they spend in bars and hotels. They tend to live on credit though (the workers), only (hopefully) paying their bills after a payout. I'm not sure about the central police department, but the local police are definitely bought off. I know them via the innkeeper, a Ghanaian who don't like them much but they give him business. It's a crazy world.