Behind each scam or hack, there is a story. Due to our irresponsibility, most of the scams are happening. They aren't physically attacking us. They have just been using some tricks, and we are falling for them. That's how we hand over our funds to scammers or hackers. Human means most of us are greedy, which drives us to lose our funds. When we see something lucrative, we usually jump on it, though there is risk. We don't want to research it very well and end up losing funds. Millions have been scammed every year due to our carelessness. If we don't want to help ourselves, then no one will help us.
I absolutely agree with you, just like what you said behind every scam or fraud their is always a convincing conversation that is capable to manipulate the mind, we can't just deny the facts that we humans are really smart enough to the extent of persuading someone to do something even out of his/her will, it's a mind game.
What we know nothing about makes us ignorant and while we are these ignorant we are much prone to falling victims of scams, as humans on a fewer bases are more likely to learn from experience, it isn't the best policy but we can't run from it, the smarter we think we are there is every tendency of people who are some multiple times smarter than we think of ourself. It's good to be extremely careful, it counters the countable number of times we would have to fall victim of these scams, and when we eventually fall for it, it's best to take on the blame and avoid making same mistakes, also educating others on how to avoid becoming a victim as well.