#2 - Many people don't know what a redirect is. Many of them don't really know the difference between email and www. Some of them won't know there is a difference; it's all just clicky things.

Here are some regular people's experiences of scams.

(http://www.moneywise.co.uk/scams-rip-offs/scams/scam-watch-t...)

#1 - Yes, some scams are reasonably sophisticated.

(http://www.guardian.co.uk/money/2012/may/23/credit-card-user...)