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An individual who is made up of equal parts topical layers of dirt to equal parts foolishness and/or low intelligence.
I don't feel as though dumbo or scumbag are accurate enough terms to describe 45 but scumbo certainly seems more fitting.
Scumbo by KarensRntUs July 30, 2020
Related Words

Scumbear 

Scumbag + bear
A lazy bastard who hibernates all day, does not return messages, says he was busy when he's actually asleep and pretends not to hear you you ask something.
Not sure if Alejandro is retarded or is just a scumbear.
Scumbear by scumbear June 12, 2013

scamboozle 

to take advantage of people when their judgment is impaired by alcohol
I seem to remember somebody pouring more birthday drinks, in an attempt to scamboozle me into the sac; but I don't think it worked.

scumberg 

A guy, very likely to be a coworker, who you hang out with and think is your friend but is really just interested in your girlfriend.
Friend: Hey, why doesn't Brad go to lunch with you guys anymore?
You: Well, I quit hanging out with scumberg once I found out he was trying to move in on my woman.
scumberg by dukeswindlers February 25, 2010
A low life being with no morals.
Brynn is a scumbag.
Scumbag by Norm hull January 16, 2015

Scumbag Format

Slang derogatory term for MTG "Type 2" (Standard) tournament format. This tournament style is looked down upon because it requires players to continuously buy new cards, since after a few months cards become banned.
"Naah, I can't play my deck there, they only do scumbag."

or

"I have 2 decks, one for playing with friends, and one that I keep tweaking so I can play scumbag format."
Scumbag Format by Volrather March 25, 2009