Well said John, I'm in pretty much the same category as you.
Perhaps the one exception is scams, seem to get my share of emails from people offering me large sums of money, as well as the odd one from Fedex or Australia post advising me of an undelivered parcel.
Trouble is like a mud puddle in the middle of the road. You can drive though it flat out & spend days cleaning up the mess. Or slow down, take a small detour & it has no effect on you.
The bigger the mud puddle the more some people like driving through them.
Cheers Pete