Most people claiming they would have spotted it are probably wrong anyway. They're reading the messages with the knowledge that they were sent by a scammer. Any idiot can identify these things in hindsight knowing what they're looking at. Without that context, with other things on their mind, it's much more likely they'd have been duped too.
Absolutely. You're in the middle of something else. Your "bank" calls you. You're thinking "What the hell do they want and how can I deal with this as quickly as possible?" Etc. I like to think that I'd never fall for any of these scams and I'm sure I'm more conscious of the possibility than I would have been at one point. But I can't really swear that distracted me whose mind is 75% focused on some other task is as security-aware as I like to think I am.
