Even when people that have knowledge they still get scammed and majority of all this cases is because people are actually very greedy and this is exactly what is bringing the issue because who would have imagined that even with your knowledge you are scammed, it is as simple as it is just greed because people are just so focused on wanting to make more money.
To avoid scam, you don't need to be knowledgeable and what you need is being careful and cautious, it's enough.
Saying "Too good to be true" can be used to avoid scam as if you feel an offer from someone you know especially from a stranger is "too good to be true", it triggers an alert and if you are careful and cautious, believe in this saying, you will avoid that offer, and you won't be scammed.
Knowledgeable people if are careless, too greedy will be victims.