Car rental scams

I am on holiday in Poland. I booked a rental car from Ryanair app. It was very cheap only 88 euros for 5 days. And full insurance was 45 euros so total was 133 eur. Otherwise I would stick to trains and buses.

I knew they would try to scam or upsell me but I was prepared that I will say no and get a great car rental deal. But the mofo got me. He said the card without embossed name on credit card is not accepted for deposit and later changed the reason that your Finnish card is both debit and credit so we can not charge deposit from it. If you buy our insurance then no issues. I ended up paying 193 euros more for the insurance.

This is the second time this has happened to me. First time was Spain. They always plan ways to scam you and take advantage when you are in a vulnerable situation.

My question is that this almost happens to everyone and a widespread practice. Is there any consumer protection in Finland or Poland I can reach out too? Are the governments doing something about it? Has anyone successfully recovered the funds? Is there any movement to fix this scam industry?

It’s weird that you will not be scammed by gambling providers or sex workers or drug dealers as government has worked on those sectors but you are guaranteed to be scammed by car rental during your holiday.