I noticed a scam today.
I got a message about ... and to visit http://www.scammer-url.net (not the real URL) for more info.
Three people admitted that they had clicked on the URL in the message before the "scam" part of the message set in.
These are Apple employees, capable of thinking about these things. And the message was unambiguously claiming that the linked website was a phishing scam.
We just run on autopilot so much that we are vulnerable to such things. (I believe that I am not an exception, and that I am myself vulnerable.)