My first job was across the street from a hospital (early 1990s). The cafeteria coffee was 29 cents if you brought your own mug (any size)

I brought a quart mug and stayed buzzed on high test health care worker coffee all day.

Many good reasons why the hospital offered that deal.

I wear a helmet for two reasons:

I don’t always see low hanging tree branches

If I am injured or killed by being struck by someone driving a car, I don’t want the damages to me or my family reduced because I wasn’t wearing a helmet.

That’s also the reason why I don’t run stop signs or red lights.

(Going literal ELI5) Before cell phones and caller ID, when the phone rang, the only way to figure out who was calling you was to pick up the phone and talk to them.

During that time, most of the people who called you on the phone were people you wanted to talk to like your friends and relatives.

Today’s seniors grew up during that time and so they are used to picking up the phone no matter who calls and listening to what the caller says.

Scammers are then trained to speak very persuasively and instill fear into people to get those people to do what the scammer says.