WTF? Mollycoddling in the extreme
Whatever happened to caveat lector? There are laws against fraud of course, and rightfully so, but the burden of protecting oneself from scam artists ultimately falls to the individual.
To try to find a technical solution to the problem of basic human gullibility is, frankly, dumb. Before email, there were still direct mail schemes, telephone scams, and direct con games.
The problem has nothing to do with IT, technology, HTML in emails, URL construction, or SPF records. The problem is that as long as there's a tiny percentage of extremely gullible people, fraud will continue to be profitable, and criminals will continue to perpetrate it.
Repeat after me once more, class: "If something seems to good to be true, it's not. If someone tries to scare you into giving them money, you shouldn't. Don't let yourself be tricked, and no one will trick you."