It also shows how many of these scams can be defeated with a few simple precautions. Most of them would be defeated by calling the bank back… in other words don’t answer your phone, make all your calls outgoing. Others are defeated by simply not doing anything hastily and under duress (like urgently wiring all your money to an external account for “safekeeping”).

Yeah, but in today's traditional banking system people don't have to contend with currency-changing ATMs that change dollars to euros, and when you feed euros into them by mistake they just shred your money in stead of spitting it back out.

That's not the user being gullible (or OK, maybe that too, but mainly), it's the system being moronic. Or perhaps rather, evil.