Re: There is only one way.
A well-crafted phishing spam email doesn't prey on greed, and doesn't fall under what most computer users would understand as "common" sense. An email which appears to come from your bank and has a link which looks legit (but isn't if you look at the actual URL) can easily deceive those who did not grow up with the internet... which is still most of us.
As the majority of computer users become those who grew up with the web, it will become common sense and scammers will have to get smarter.