Some of it is timing and bluster. I have a friend who is a smart guy, owns 4 restaurants, who got scammed by a fake utility company scam fishing for gift cards. They catch you at a vulnerable moment and are good at pressing buttons.

Even with old people, people don’t realize how many sales and scam calls they get. My mom literally get 30-40 calls a day. Odds are, eventually you’re going to crack.