yes
Defrauding individual people out of their savings is bad, even if the victims live in an expensive country that's home to some very wealthy citizens (like the US), and the criminals live in a country that's home to some very poor citizens (like India). How could the existence of poverty in India make it moral for college educated Indian scammers who live lavishly on the stolen savings of Americans [0] (youtube has plenty of scammer channels that show scammers are mostly college educated Indians who never, ever give the money to the poor and malnourished)?
I'd wager that the scammers here are more wealthy than most of the people they are scamming. And given their criminal backgrounds, they are likely to do more harm than unintended good to the people around them. Remember Gandhi who once said, "an eye for an eye makes the whole world blind".
The world is not a fair place. Morality doesn't get you fed, doesn't get you proper education or healthcare. And when you don't have proper opportunities to earn money the right way, it's tough not rationalizing scamming other people to get your basic needs fullfilled. Overall it's a good thought experiment to imagine what all we would have done if we were not born with our current privilege. I personally feel people are only as good as the world allows them to be.
You are right that people are only as good as the world allows them to be. Which brings us to morality. It is not about any greater good or anything like that. Morality is simply what the world has defined that allows people to be. Over time humanity has understood a set of ideas that allow a stable society to exist. Without these you will have a very dysfunctional society that is in a perpetual state of retaliation. The wise founders of nations have realized this and codified morals into law. There is no society today that exists without law because any such society would not have stood the test of time.
Ohohoho noo they're not. They are definitely not. Probably the one sitting at the top, but not the telecallers themselves who do the actual fieldwork. These are just poor youngsters who can't find jobs because of how ridiculously brutal India's labour market is.