Percentages of percentages of percentages of positives
We are all different. We are all a mix of things we have and a mix of things lacking. Enough people lack basic caution that scams are a real hazard for them.
Before you start prating about IQ and the wisdom that anyone should have, think on Williams Syndrome. It is an identified genetic defect, a gross deletion of multiple genes. The aspect that I think on is described at WP like so:
People with Williams syndrome are often affable and hyperverbal, demonstrating the decreased inhibition ability that stems from dorsal-frontal deficits.
That is, they're an "easy mark". Hrmph!, you say, that's a specific medical condition, what about all those other fools?
Indeed, I have to wonder, what are their lacks, from what do they stem, and are they *all* *completely* to *blame* for them? You may be at the far other end of the bell curve for 'simplicity', but can you claim absolute credit for your good fortune? Maybe you were innately equipped for exhibiting caution. Harrah for you!
Now think on those you would blame for their lacks. Do you know, absolutely, the origin of those? Do you know where your blame comes from? Perhaps, it is... something lacking?
(And yes, I've had the privilege of being called by my spouse's department chairperson, who was just about to press send, but thought wellll maaaybe they ought to ask.... No, professor, that's one of those scams... just close the email program and go hug your dog/kids/etc.)