It's probably because we tell kids about how dangerous scams are and all the problems that can occur, but we don't teach ways to mitigate the issue when it does occur, the child was probably worried that all of their friends would fall for the scam and everyone would get in trouble, it honestly sounds like she was more concerned for her friends then she was about her discord account. I've had adults act pretty much just like this, they are not well versed in how shit works but hear all the scary stories, so if things go a little wrong it is terrifying.