Re: For the phone scammers ...
Yes, I've done similar, immediately questioning them that they must not have had a lot of opportunities and life must be tough having to get involved in fraud. What I don't get is that they still spend 5-10 minutes trying to convince you they aren't a fraud - clearly they don't consider the cost-benefit analysis of wasting time on people who know who they are. They always ends up with them swearing at you for some reason though... I equally despise and (perhaps naively) pity them.