It's as simple as that. I DO know those warnings, 
but when the sender and the layout is perfect, 
it's nothing to do with "dumb". 

It is my right to be able to trust whatever I do 
in a password-protected area. It'd be different 
if I left my credit card somewhere like a bus 
stop and someone smart profits from that. THEN I 
really couldn't complain. I also didn't care when 
I lost my wallet - to hell with that, when 
someone's lucky to find it, so what. What is 
lost, is lost, no bother to me. But what is 
viciously, systematically ROBBED, is to be 
restored. Also, I'm not BLAMING eBay. I only want 
restored what was mine.

So no reason to go "You're the only dumbass in 
this world".