It's not the platform..
It's the user.
I always make a point of telling my clients that if they ever get an email from a service that they do actually use it will always be addressed to them personally. It will never be "dear paypal user" or "dear customer". And even when it is addressed personally, never ever click on a link before checking to see where it goes. Also, I tell them to read the mail properly. Most bogus mails are written in webster phreaky english.
I suppose like most here, I get a dozen or more of these bogus mails every day in my various accounts. Every once in a while I have a look at them to see what they are like. Some of them are very good and will fool most people - if they don't check the browser address bar to see where the connection has actually gone.
But what amazes me is that some people don't think before blindly filling in the boxes. For example. I have an itunes account. When I set it up it asked for my name address and CC number plus the security code. It also asked me for a memorable question. That, AFAICR is all it wanted to know. So now, If I follow this latest iTunes Phish, It asks me those self same things again (which COULD be legitimate) but also it wants mothers maiden name, social security number (which we don't use in the UK), driver's license details and various other things.
Surely a bank, or a website that sell items for 79 pence does not need to know my driver's licence info (or all the other stuff the site asks for).
I sometimes despair.
Correction. I always despair.