[mort96]

I didn't read it as explaining why she should continue the call, just why she did continue the call. She's explaining why those things didn't immediately trigger the scam alarm. Nowhere did I see her claim to be too clever to do anything.

I found it an interesting read which details an experience which is far removed from how you expect a scam call to occur. It's interesting to read the signs which should have been alarm bells, but which were dismissed because nobody is perfect all the time.

[mattbee]

The author very kindly addresses my comment in a PS:

I also, admittedly, allowed my cynicism toward my own industry and Wells Fargo to cloud my judgment; I didn't know the first thing about Apple Pay or Google Pay prior to this incident, but I don't have particularly positive experiences or feelings toward either company, and it's extremely common for the process of fixing someone else's mistake on large tech platforms to be nightmarishly convoluted.

Ultimately she did realise & fix her mistake - at some pace - lost nothing, and got an up-close view of a scam in progress.