Precisely this! If you want to tell me that I forgot that I was arrested that night, the response is a very blunt "provide convincing proof that doesn't requir

Precisely this! If you want to tell me that I forgot that I was arrested that night, the response is a very blunt "provide convincing proof that doesn't require me to trust you, or bug off". Being vigilant for fakes is very time consuming too. Especially given some of the scam tricks, like "call the fraud and abuse hotline at 1-800..." -- except that number was provided by the scammer.