I'm not that tech savvy, but I am street smart, and I don't trust people easily, or fall for scams and schemes. Once I was called on the phone by someone saying I owed money for taxes, and unless I paid them right away, there would be a sheriff at my front door to arrest me, and they would take away my home and my possessions.
Well...I gave that character a wake up call, that I would easily make sure he was behind bars for his telephone scamming. I looked up the number online afterwards, and there was more confirmation that this number was a SS scammer that tried to get people to pay money to them. I added myself to the list of complaints against that number. I don't fool easily, and as you said April, I think most seniors on this forum would not fall for such scams, but there are some who may be too trusting.
I never worried about it too much GDAD, but that seems to be a frugal approach to privacy regarding credit cards.