Re: Your opinion is is nice to see ...
Ask yourself: if no-one is dumb enough to fall for scams, then why are the scammers still doing it?
Remember how naive you were when you first went to college? Now, consider how many people are in their first year at college right now.
Then think, those people are by definition already above-average in terms of education.
Maybe you don't know anyone who'd fall for it (although I'd question that assumption, too). But the set of "people you know" is limited by the neighbourhood you live in, the people you talk to at work, the forums you hang out on online - all of which are selected by you based on your own preferences, status and interests. That's how bubbles are formed.