Absolutely. You're in the middle of something else. Your "bank" calls you. You're thinking "What the hell do they want and how can I deal with this as quickly as possible?" Etc. I like to think that I'd never fall for any of these scams and I'm sure I'm more conscious of the possibility than I would have been at one point. But I can't really swear that distracted me whose mind is 75% focused on some other task is as security-aware as I like to think I am.