I really don’t like the assumptions in this comment, and we’ve had discussions in the past about victim blaming people who fall for tech/IT scams, especially when they’re ageist in nature. Yes, the basic sentiment is 100% correct (this isn’t a slam on @musicat after all) - but the scams hit people who may be fully intelligent, but just not at their best on that day, or may for whatever reason seem more plausible. As an example that didn’t happen, the OP mentioned going a few days with minimal sleep, and not being at their best - sure, it didn’t happen to their computer, but things slip by when you’re over tired, upset, or on medication.
Yes - always try to be aware, but not everyone is as suspicious and investigative as we SD types tend to be. 
For cross reference, I’m linking this to the Omnibus Scam thread, which is chock full of scams and Scam-baiters.