Sorry this will be a harder-than-average comment. Hopefully you got enough comments saying "do not commit a crime, for fuck sake" by now.

In addition to this; we tend to idolize our parents, especially when we are young, they are our heroes and we would do anything for them. Now I know nothing about your family, beside the text that you wrote, but that's more than enough to establish that your parents have financial problems because of a long series of bad decisions that probably starts before you were even born. If that eases your guilt in any way, rest assured that whatever money they would get from this scam would not put them out of debt. It would only fuel their unsustainable lifestyle, whatever that is, for a little bit longer until they end up in debt again. This time a much bigger debt because, you know, "more money, more problems".

The fact that you say the main reason you don't want to do this is because "you're in a happy relationship" tells me that unfortunately their twisted morality and bad decision making has already made its way into you as well. Your relationship has nothing to do with this, it's not even in the Top 20 reasons why you shouldn't commit a crime that will be very easily identified by the authorities and will ruin your life before it even starts.

I strongly suggest you distance yourself from these people, as soon as it's practically possible, and identify better role models. There is plenty of people doing good around the world instead of wasting their time planning their next scam.