Scammers are the smart ones?
No, they are not. They are pretty stupid.
They are not stupid but wicked, stupid are someone who lack intelligence or common sense while wicked use their wit to do evil things.
If you call a scammer stupid then you have underestimated them because you would not be expecting much from someone who you have called stupid because of their actions, but some of this scammers these days are very intelligent that they can even still fool someone who knows about their existence. Better not to assume their stupidity and pay attention to details because some scams can be really sophisticated.