Well, here's my 2 cents...I've done accounting in the past and am quite computer literate. However, when placing my one and only order with Speigel online, I (according to them, because I gave out my e-mail address), "authorized" them to charge me a recurring $14.95 a month for some sort of questionable and completely useless "service."
Six months later, when I discovered this, I contacted them. Not surprisingly, they refused to refund the monthly charges. However, fortunately, I had used my credit card to make these purchases (U.S.A.A., by the way, if I'm allowed a "plug"...) and they were at least able to get three months of those bogus charges removed.
So, even in middle age and, presumably with some sort of experience under our belts, SOME of us still get sucked into scams, so it's not surprising that our difficult child's are so easily bilked...