I think a lot of this is because a large amount of our society grew up without the Internet. To them, everything that looks professional is professional. They are easy targets for scammers.

Millennials and Gen-Z were raised on the Internet and therefore have an innate understanding of what is real and most importantly, what can be faked. Its a lot harder to scam. them.

If I told my parents about a Nigerian oil executive who needs to move $20 million out of a bank account, they would scratch their head. If I told my 28 year old co-worker, he'd laugh and understand the joke.

So, maybe in 20+ years, nobody will fall for these scams anymore.