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.
Underestimate scammers at your own risk, I wouldn't even call them stupid because it takes intelligence and experience to scheme up ways to manipulate other people's intelligence inorder to scam them. To be able to outsmart scammers means that you have to be informed about their fraudulent activities, otherwise they can penetrate their victims as if they need favor from them, and the naive people will fall for their tricks.
I think that the two keys to avoid being scammed is not to be too quick to involve in any online activities that you're not familiar with, don't even try to help, support or engage in business dealings with people online, you need to research and verify first from experienced people or trusted sites for information. Second key factor to being scammed is greed, most victims that falls prey to scams is due to greed, scammers will entice their victims with too good to be true offers.