The insignificant nobody me do agree with your points made.
However, in this modern age of high personal security, at least in Singapore, thanks to govtech, just a name or NRIC number is NOT enough to access a site. For a basic example:-
You will need a password, a personal handphone REGISTERED number, an OTP sent to your personal hp, & at times even FACIAL recognition....just to log into CPF board, let alone personal online banking which comes with SMS notifications on amounts drawn & even digital locking systems.
While a scammer may & WILL attempt to break thru such systems such as hijacking your phone or personal computer, the FINAL RESPONSIBLITY lays with oneself - to always check accounts regularly or have a separate phone for personal security use - such as only work & banking apps, & ANOTHER phone for recreation such as shopping, games, etc, with wallets or bank accounts that have only limited funds...
Furthermore, while scammers may know the name & NRIC of a person, just a few more personal questions from one to them on a personal or email call, such as birthdates, name of parents, schools attended, etc, will render a failure to scammers.....
It is so easy, so easy to get one's name & NRIC today - security posts, games or product discount registrations, or even posing as govt officers in uniform such as a police or traffic police, etc, if the scammer is determined enough....Should they attempt to extort from you, then 2 can play such game - report to SPF whom will have experienced officers to guide you thru. The scammers front men are only paid cut-outs, in for the money. Either money or jail term will make them talk, to REVEAL who are the big fishes in such games, & it is THEM that SPF wants, to prevent them from extorting others....Singapore is a Rule of Law Nation.
We CAN & WILL beat them at their game. Just as they will evolve, so too MUST WE, by staying connected & learning from others thru AWARENESS. They are the few, no matter how intelligent they are, but WE are the many, with FAR MORE resources than them to save each & every life & life savings....