This. When I was a pretty fresh college graduate, with my first non-student job, I got a scam call telling me my student loan payments hadn't properly processed

This. When I was a pretty fresh college graduate, with my first non-student job, I got a scam call telling me my student loan payments hadn't properly processed and they were about to notify my employer and start garnishing my wages if I didn't immediately bring my payments current. (I can't recall if worse outcomes than that were explicitly stated, or implied just enough to let my imagination take off.) I would have eagerly given them my banking information, but I was panicking so badly I accidentally dropped and broke my only phone (this was was long enough ago that it was a landline handset). I eventually got on my neighbor's landline, called the student loan administration... and found out my loans were up to date, and I'd been the target, and nearly the victim, of a scam that would have cleaned out my bank account. The panic was a key element, and everything about the call from word choice to tone, was designed to encourage it.