To pretend that you need the advanced capabilities of an AI in order to trick older people by email is somewhere between ludicrous and clickbait.
My father in law just bought a car online this weekend on accident. And nobody was even trying to trick him.
There's a reason the Nigerian prince type stories are so low effort: you really don't need much more sophistication than that.
In other words, if I can be a little histrionic, it seems to me like saying "using ELECTRICITY to scam old people".
The trick is being able to do it, on a convincingly personalized level, to a million old people at the same time.
He clicked on something and got charged the downpayment of the car to his CC. He got his money back, but I'll never not be surprised by what some older people can manage to do online left to their own devices.
To you and I, it seems impossible. For Larry, it's just Saturday.
We know how hard it is to even find the download button on a website: https://www.howtogeek.com/how-to-spot-the-real-download-butt...
We like to pretend that we are immune to that, but we've all made similar mistakes.
And there's an entire Internet of websites trying to trick us.
Usually the result of clicking such a "dangerous" button is the user gives the provider money or data. It's not common that the provider makes it easy to one-click-no-confirm a process that gives the user money or the provider's data.