>> It sets a deadline a few days in the future. This creates a sense of urgency, and when you combine urgency with being rushed by life, you are much more likely to fall for the phishing link.

Procrastination is a security strategy.

When we do the phishing awareness training at $WORK, we are told any sense of urgency is suspicious, especially from an established org. Most would give you at least a month before something as draconian as locking your account.