IDK, I think it depends. I easily see through email scams etc, but I get flustered in social situations so shopkeepers have an easy time persuading me to buy things I don't need, because I just agree so I can leave. I know not to let people I don't know or am not expecting into the house, and I know not to part with serious cash without a lot of consideration or to ever, ever, ever tell anyone my pin number, that sort of thing, but smaller or less obvious schemes might well slip by me.
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Oddly coloured wolves are cut off from the pack as a liability in hunting - weak camoflage. Also, I'm a semi-sorta-goth.