Correlation does not imply causation.

• People who spend more time online will be exposed to more scams, and therefore are more likely to fall for one. If you don’t see any scams because you don’t know how to open “the internet”, you won’t see scams you can fall for.
• Gen Z could just be more likely to self report. Self-reporting fault or failure is less socially acceptable among the culture of the boomer generation. Entirely possible Boomers are just lying or not self-reporting.