Yeah, the stress is key. I'm reminded of how Cory Doctorow recently wrote about how a scammer got him because of lucky (for the scammer) timing because Doctorow was travelling and in a rush, or something similar.
I'm also reminded of how irl predators utilise a similar pressure to the scammers - they leverage our instinct to be polite and avoid violating social norms, in order to keep pushing boundaries. Often the key to avoiding risky situations is to recognise and validate an uncomfy feeling as soon as possible, and get yourself out of that situation rather than talking yourself out of your discomfort.