"My eighty year old parents, with no IT training whatsoever know these things are scams."
So do my 80-ish year old parents. But my 48 year old little brother - the one who's an nuclear engineer with plenty of IT training - very nearly fell for one of these rotters. He's honest and straightforward and tends to assume other people are too. He's rather more trusting than the rest of his immediate family, including his children.
As for myself: I tell them I know that they're crooks. Some of them get very cross. I've been known to laugh at their raging.