The problem is that you're focusing on the tech and - over time - you WILL lose track and get tired of the tech, because it happens to literally everyone. I'm extremly techy. But there are some things that are entirely in the realm of tech where I think "Oh, come on, this is nonsense, why can't I just do it the old way?!" (e.g. systemd, which I find to be the universal bane of anything I want to achieve).
That will come to us all. We're already doing it. Why do I have to ID myself to access this website? Why do I have to jump through MFA hoops just to sign in to my email? etc. etc. etc. All with good intention, good reason, and with purpose, but increasingly we, the users, will get frustrated with it all while the 20-somethings will just treat it as normal because they grew up doing it, and then get frustrated with whatever comes after when they are 50-somethings.
The tech is not the problem here. The problem here is sheer, utter, idiocy. Maybe in the form of someone far outside the normal mental bounds being solely in control of their finances (for example), but idiocy nonetheless.
And the cure isn't tech-training. The cure is "being a suspicious / paranoid bastard". I'm a suspicious / paranoid bastard. Good luck trying to scam me because even when there are legitimate processes, I am happy to just stop and say "Nope. I'm not going to do that." Look at the nonsense in your posts and the OP - buying Amazon gift cards, buying gold and giving it to a courier, etc. etc. etc.
It doesn't matter how sweet-talking someone is... I ain't gonna do that. Letting people take over my computer remotely? I don't even let people I know and love TOUCH my computer (and they know that). Nobody touches my computer. Nobody logs into it but me. Nobody knows that password. And no, even my kid, doesn't get to "just browse" on it, nor on my phone. I have other devices if they want to do that.
Scam-prevention isn't about learning the latest tech and keeping up to the date, it's about being an entirely suspicious bastard about everything. It's why my dad distrusts electronic transactions. He'll do them but you know what he does? He gets me or my brother to CHECK first. Others in my family have been scammed - credit card cloning in restaurants (good, luck, that card doesn't leave my sight... and, yes, I've had that argument with restaurants and pubs... card reader behind the bar? Okay, then bring it here? No? Then I come there? No... oh look you CAN do it in front of me but you just didn't want to...), mum accidentally signed up to a new electricity company on the doorstep (but UK contract regulations mean we shut that down once we heard about it), I've had a guy at my door trying to insert a key into a pre-pay electric meter in my house who said - explicitly - that he was "from your electricity supplier". He wasn't. He was from a rival, committing fraud on my doorstep, trying to force me to switch supplier to him without me noticing. And me, being the suspicious bastard, refused to let him do so, and warned the rest of the street (the police came along eventually, shut them down, and asked for evidence, but I didn't have any CCTV recording audio near the porch or I would have nailed him to the wall). He looked all official in his little hi-vis, and they were blanketing the whole street the same way... and people fell for it.
My dad REGULARLY asks me if "that was you on the texting again the other night" - because he gets texts with the "Hi Dad, I lost my phone and have no money...." He never responds but he always checks in with me afterwards just to make sure. And I think him realising how often it's NOT ME makes it clear just how widespread scams are so he's even more suspicious.
We just need to teach people to be suspicious and make official processes official enough that they are NOT suspicious. This requires absolutely no fancy tech or tech-training at all.
It just needs people to think "What the fuck am I doing buying Amazon gift cards to pay my tax bill?"
