近日，客户徐先生到齐鲁银行济南金牛支行办理现金存款业务，存款办理完毕，徐先生请工作人员协助 操作微信转账。考虑到徐先生年事已高，工作人员便主动问询其转账用途。徐先生透露是用于购买名 为"生命素"的药品，并展示了相关微信群聊记录。"治病防病"的宣传话术和特定交流群组，引起了工作 人员的警觉。 当天恰逢支行行长厅堂服务日，行长、营业室主任及大堂经理第一时间迅速响应，将徐先生引导至贵宾 室进一步沟通。通过仔细查看徐先生手机中的群聊记录及"药品"信息，工作人员初步判断其遭遇了"保 健品"诈骗陷阱。然而，徐先生因在线"听课"多日，对"药品"功效深信不疑，坚持认定并未受骗，对工 作人员联系其家属的建议断然拒绝。 为确保客户资金安全，金牛支行果断启动警银联动机制，快速联系了辖区派出所。民警迅速出警抵达现 场，与支行工作人员合力对徐先生进行劝导。经民警现场核实，确认徐先生所在的微信群为诈骗群，群 内推销的"生命素"并非正规药品，销售人员行为存在明显欺诈特征。在民警与银行工作人员的反复劝说 下，徐先生意识到自己陷入骗局，当即退出群聊，切断了联系。 "真是太感谢你们了！要不是你们这么负责、专业，我这辛苦攒下的6000块钱可就打水 ...

Core Viewpoint - The article highlights the deceptive practices of certain stores selling overpriced health products to elderly consumers, leading to significant financial losses for victims [1][10][12]. Group 1: Deceptive Practices - Many stores disguise themselves as sellers of basic food products while secretly marketing high-priced health products to seniors [1][10]. - Elderly consumers have reported spending substantial amounts, with one individual estimating over 500,000 yuan on various health products over four years [1][10]. - Sales representatives often make misleading claims about the health benefits of these products, suggesting they can alleviate serious medical conditions [1][2][9]. Group 2: Product Misrepresentation - An example product, "希欣康红曲植物甾醇硒精华片," was marketed as a health supplement but lacked proper health product labeling, instead being labeled as "压片糖果" (compressed candy) [2][5]. - The production company’s website claims the product is for heart and brain health, but its registered trademark covers ordinary food items, not health supplements [5][9]. Group 3: Pricing and Sales Tactics - Some products, even those with health product labels, are sold at inflated prices; for instance, a product priced at 450-700 yuan online was sold to seniors for 2000 yuan [10][11]. - Sales tactics include offering free items like eggs and rice to attract elderly customers, who are then subjected to high-pressure sales tactics during "training sessions" [13][15]. Group 4: Consumer Vulnerability - Elderly consumers are often targeted due to their isolation and vulnerability, making them more susceptible to believing in the efficacy of these products [12][20]. - The sales process involves creating a sense of community and emotional support, which further entraps elderly individuals into purchasing expensive products [20][24]. Group 5: Regulatory Challenges - The article discusses the difficulties faced by regulatory bodies in taking action against these deceptive practices, as the products themselves are not classified as defective [18][21]. - Effective enforcement requires evidence of false advertising, which can be challenging to obtain due to the nature of the sales tactics employed [21][24].