This problem extends beyond character encoding. The average joe (and not so average alike) seems to have a hard time to distinguish official channels from non-official scammy ones, even more so when the official channel doesn't exist on a given platform ("we don't offer support via Telegram" kind of situations). Cue in some greed as well and you got a perfect recipe for disaster.

The root issue is the lack of skepticism and verification. At the same time humans have limited energy and verifying everything causes significant fatigue over time, so the problem might as well be intractable.