One thing which is never talked about in these articles is the failure of Indian government (past and present) to find effective family planning policies. Population growth is through the roof and hence unemployment is huge. With not much left in terms of job prospects lot of people turn to shady stuff.
And while the article makes a case for IRS and Microsoft scams, slowly these guys are running domestic scams too. Lot of people receive calls claiming to be from a particular bank/digital wallet company/phone provider. The victims are asked to share the OTP sent to their mobile for "verification". These OTPs are mainly for digital wallets. Once the scammers reset the password they withdraw or spend most of the money in the wallets.