This surprised me when I realized it: how little frustration tolerance most people have when they don't understand something at first.
Maybe one factor is that people are already saturated by the complexity they are forced to deal with everyday because of work and bureaucracy, so they won't put up with something unnecessary.
Exactly this. I struggle to have much sympathy for the people who bought into this scam but I have no sympathy at all for the scammers and I hope they pay. Society doesn't need more of these people.