If this were true, I guess it would be pointless for us to exist.
At least - it may not be the whole answer, but it will help!
And then, isn't that a catch 22? In order to have security - you must be educated in it. If you don't bother to know how to protect yourself, there is no security!?
User Education is not the answer to security problems. Summary:
Internet scams cannot be thwarted by placing the burden on users to defend themselves at all times. Beleaguered users need protection, and the technology must change to provide this.