I heard once that the reason that those phishing emails are (usually) pretty obvious is because the phisher doesn’t want to accidentally catch a more attentive and careful victim, spend time trying to wire money from them, only for the victim to realize that it’s a scam before following through, therefore wasting the phishers time. The type of person to fall for the Nigerian prince stuff is not common, but they exist and the odds of them paying out are much higher.