The trick is, snake oil salesmen exist because there are customers. You might be smart enough to spot them coming, but many, many, many people are not. Being dismissive of scamming as an issue because you can spot them is like being dismissive of drownings because you know how to swim. It ignores the harm to your world done by having others around you destroyed, sometimes because they are cocky and hubristic, sometimes just because they were caught in a weak moment, just a bit too tired to notice the difference between rn and m in an email address.