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> I'm curious if the people falling for them are using email providers with quality spam filters.

I'm curious why the people falling for them need a spam filter to recognize them as scams. I still see an occasional one slip through my email provider's spam filter, and I've never had any problem figuring out that they were scams.

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Because not everyone has competent internet skills.

I don't think it's internet skills per se, given that scams exist since before the internet.

People default to trusting other people

Part of internet skills is increasing your prior that someone is lying to you.

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