It's not a different perspective and there's no need to cite such perspective. I didn't make any specific or isolated situation/conditionsl claims you disputed. I haven't cited "intelligent and welll-educated" and my statement was too broad for you to represent it as lacking perspectives. C'mon. You're correcting or disputing some thing I didn't post.
But you know what, we can certainly go where we don't need to go, which is where you want to go: shall we discuss the extremely dumb shit intelligent and well-educated people do in all sorts of situations, because they're too good for following instructions, or our of inexperirnce, or as a result of overestimation of their smarts, exactly the things that cause them to fall for scams, just like the stupid, uneducated people?