Those little loopholes where the company doesn't interfere or let things happen give fraudsters free rein to their imagination.
Something that happened for a while was that a lot of small sites were hacked that if you accessed them through gmail the database and your password were revealed everywhere.

Very much agree, there are a lot of digital illiterates and people willing to take advantage of them, my parents have dodged every problem thanks to me so I appreciate that they have the confidence to ask me.