Sadly, many folks will assume an "official" sounding message or call is actually legitimate. Especially if it's from someone calling themselves a lawyer. Next the AI law firms will be requesting payment in iTunes gift cards...
This is not just self interest. There really are a lot of hidden traps. Words almost never mean what you think they mean. If they have a lawyer and you don't, you are taking a serious risk.
i.e. even where it isn't opaque, it is surprising how many people mess up.
(Of course that includes lawyers)