I somehow disagree with the points you have raised, OP.
I think no matter the new app with added security or software, people would still fall into scam as long as they chose to remain ignorant and disregard security consciousness, we can not protect anyone's holding for them, no matter how many treads on security and how to avoid scams are introduced, at the end of the day its a personal responsibility and each person must play their role in their safety.
Yes, I am an advocate that people should always exercise the most care and diligence whenever they try to deal with downloading applications or registering into a sketchy website. But the fact that there are people who intentionally scam others is not an excuse to a person's ignorance.
At the end of the day, it is all about the existence of these scams. Sure, newbies are party to blame in this perspective but at the same time, why would you scam in the first place? Again, you do not blame the victim- you blame the offender for creating a harmful situation that exposes a newbie's innocence.