> is someone lying to me?”. Emails, text messages, downloading software from a website/App Store

And incredibly, someone usually is. Most software download sites have so many UI elements saying "Download", on their downloads page, but only one of them is the legit software you want, and others are some random software that paid money to the website to be there to... probably try to get themselves installed and scam you some more.

I just checked the Google "play" store: searching for "Temu" (I know, dumb, but there was an ad on the main screen of the store), in the page of search results, the first install button is for the sponsored Alibaba app...

Even billion dollar businesses are... trying to scam you. "Don't be evil" no more indeed.

PS "full self-driving", also a scam..

I think the subtext of what I wrote in that paragraph was about the additional cognitive load of having to worry about every little action. For most people who are less informed about scams/cybersecurity, there is a lower cognitive load tax on their mind/attention (but that lower cognitive load results in less skepticism and more susceptibility to scams). Or put another way, the heuristics they use are at a different point on the tradeoff curve between effort/resources and accuracy.