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Or the alternative is to say their wallet has been stolen, hotel owner holding their passport, custom officials need to be bribed, new plane tickets are needed, they have been victimized and put in jail and need money to bribe their way out, or they need money for an operation etc.
The reasons for needing the money will sound plausible.
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Often the scammers use attractive female photo profiles because lots of men will respond to an attractive woman's personal ad based on the photo alone.They also tend to target middle-aged people looking for stable relationships.The rationale is that this type of person is likely to be more desperate, gullible and financially stable.Then they convince their soul mates to bank them into their bank account and then wire them the money via Western Union.They are often told to keep some of the money for their trouble [which helps to build trust and also helps make them an accessory to the crime! After a few weeks the bank will advise the Money Orders are fraudulent and then the victim is responsible for paying the money back to the bank, and in some cases face charges of passing counterfeit instrument.
The scammers choose chat rooms and dating sites because the person in love offers the chance of the biggest payoffs. The Nigerian dating scams are often not easy to detect as the scammers are often highly educated, have exceptional patience and they do their homework!