This was my attitude when I was younger. But as my financial arrangements have gotten more complicated, more intertwined with those of other people, as I’ve accumulated weird experiences straightening out banking problems, I can see that while there is wisdom in the rule, its never going to be enough. I’m human, I don’t remember everything I need to remember.

The scammers don’t send out “link to confirm your bank details” because zillions of people are stupid, they do it because everyone is a little stupid sometimes.