Sadly people are and do. I got a text earlier saying that my bank (and they, by random chance or something more nefarious) named the bank in the communication A

Sadly people are and do. I got a text earlier saying that my bank (and they, by random chance or something more nefarious) named the bank in the communication AND they got lucky because I was just traveling nearby, AND before leaving home I had just opened a piece of mail that informed me that some piece of shit company that I got concert tickets through just had a data breach AND that a bunch of my stuff, including my credit card info, had been leaked. So I definitely had that moment of “oh shit, I should probably look into this” - and if I didn’t have my bank app on my phone I may have just fallen into the process. Scammers operate a simple sales funnel - they cast a wide net and hope they get someone in the same headspace as me but slightly more dumb. The only people who fall for this are, sadly, really dumb, but also really unlucky because they might not have fallen for it if the other coincidences didn’t align.