Phishing exploits context, not stupidity

People fall for phishing because the message arrived at a plausible moment, not because they are careless.

An invoice during invoicing season, a delivery notice when you are expecting a parcel, a password reset just after you requested one. The attacker did not need to be clever; they needed to be unremarkable. Framing it as stupidity guarantees people conceal it when it happens.

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