I was never attempted scammed online, and I think (naively like the author) that it wouldn't happen to me.

But I was pick-pocketed twice in my life. Both failed attempts, but only because of dumb luck. And I thought that would never happen, "because I'm that much present always."

One time I'm wearing a hoodie, and a cheery guy distracts me and sticks his hand into a double-ended pocket and my hand, resting in the other side, instinctively grabs his; a trigger-happy hand-shaking mechanism and a bad choice of pocket. I quickly walk off because his grumpy friend looks like someone who would stab you.

Another time I'm running for the bus, my phone is thrashing forth and back in my pocket, so while running, I quickly grab the phone and stick it in another pocket; two seconds later, a young guy bumps into me, and his hands reach all the way down in the now empty pocket. We land, we stare at each other, and I run for the bus rather than him; I'd have no chance catching him anyways.

So... with some humility: The only way to stay out of trouble is to apply really dumb protocols.