I stopped warning my mother about specific scams and taught her these six things instead
Warning her about individual scams never worked. There is a new one every month, the details are the part that changes, and every warning arrives slightly too late to be useful. She would nod, then a different story would come along, and none of it transferred.
What finally helped was going the other way round. The story changes constantly, the machinery underneath does not. A scam only needs a handful of things in order to work, and those have been the same for decades.
The six that carry almost all of it:
1. Urgency. A real institution can wait until tomorrow. Every scam has a deadline measured in minutes, because thinking is the thing it cannot survive.
2. Authority impersonation. Police, the bank fraud team, the tax office, a large computer company. Caller ID and sender addresses are trivially faked, so neither is evidence of anything.
3. Secrecy. "Do not tell your family, they will only try to stop you." No legitimate process anywhere asks you to hide it from the people around you.
4. An unusual payment method. Gift cards, crypto, a wire transfer, a courier coming to collect. Banks and tax offices use none of these, ever, in any country.
5. Isolation. Being kept on the line while she drives to the bank. Being coached on what to say if the cashier asks. This one is the clearest tell there is, and it does not always need secrecy to be asked for - it just happens.
6. It came to her. The call, the message, the pop-up. She did not start it. Weak on its own, but it reframes everything that follows.
And the one rule that covers all six, which is the only thing I would want someone to remember if they remembered nothing else: hang up and call back on a number that existed before the message. Off the bank card, off a paper statement. Never a number they gave you, and not one found by searching while frightened, because fraudulent listings and paid search results are a real problem. Use a different phone if there is one, or wait a few minutes first, because a caller can sometimes stay on a line you believe you have hung up.
The part that actually changed things was not the list. It was sitting down together with a few real messages off her own phone and letting her be the one to say which signal was in each. Being the expert is a completely different feeling from being the person who keeps getting warned, and she remembers the ones she spotted herself.
She has hung up on two since. One of them was probably genuine. She is completely fine with that, and so am I.