You are not immune to being scammed.
Today I was half a second away from tapping a link in an SMS that was informing me I need to renew my credit card details because my CC was expiring.
My CC IS expiring this month. I updated my CC details on two other services yesterday. Through sheer dumb luck the scammer happened to bait their hook correctly.
I must not be complacent.
Complacency is the opsec-killer.
Complacency is the little death that brings identity theft.