An anecdote that both supports your perspective and offers an alternative explanation.
My father in law kept falling for the same scam. Something about straightening out his credit card billing for some service he never ordered. But the scammer needed his information to access the online account, but he didn’t have that even set up, so he’d hang up, call his credit card company, and try to complain to them about a problem that didn’t exist.
Another scam about paying balances he didn’t have would result in him mailing checks to his regular credit card company, who would just credit his account to negative balance and it would work out fine.
He’d generally never even recognize it as a scam, even when flat out told by his family or the credit card company.
So his gullible nature was largely cancelled out by not dealing with this online stuff, which is a critical component of how the scams tend to work.
An anecdote that both supports your perspective and offers an alternative explanation.
My father in law kept falling for the same scam. Something about straightening out his credit card billing for some service he never ordered. But the scammer needed his information to access the online account, but he didn’t have that even set up, so he’d hang up, call his credit card company, and try to complain to them about a problem that didn’t exist.
Another scam about paying balances he didn’t have would result in him mailing checks to his regular credit card company, who would just credit his account to negative balance and it would work out fine.
He’d generally never even recognize it as a scam, even when flat out told by his family or the credit card company.
So his gullible nature was largely cancelled out by not dealing with this online stuff, which is a critical component of how the scams tend to work.
When the low int character keeps rolling critical success on skill checks.