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You already pointed out reasons, why people might lack the necessary judgement in one moment. The issue is that it is enough if one person fails to abide by the security rules once. So for the attacker all that is needed for a large enough organization is persistence.
So in that sense at least, it's similar to the scammers on Kitboga. Just send out a shit-ton of feelers and hope something sticks.
Phone and email scams work just the same. Only takes one grandma emptying her savings to make it worth it. And they get a lot of people who should otherwise know better.
Phone scams especially use high pressure, unfamiliar situations, and fear to keep people from thinking about what's actually happening, and you end up with otherwise intelligent people buying iTunes gift cards to get out of a warrant. Usually the victim figures out they've been scammed within minutes of the call ending, unless they have some cognitive decline.