The scammers get you panicked and hold you in that state so that you're stressed out and not thinking rationally. They also exploit a small slip up and escalat

The scammers get you panicked and hold you in that state so that you're stressed out and not thinking rationally. They also exploit a small slip up and escalate it into a catastrophic one. For example the scam might start with the assumption that caller ID is accurate, or the assumption that because there is fraud on your account the person is actually from the "fraud department", or the assumption that hanging up a landline terminates the call. Each of those are small slipups, but they get people bought into the fiction, and then as the scam escalates they don't stop and think through the sequence and realise that the initial assumption was flawed.