The problem seems to me that companies and orgs want to send emails when it is convenient for them to do so (paystub ready, benefits enrollment open click here, etc.) but distribute the cognitive load to its employees/customers to figure out which emails are trustworthy and which emails are not. You eventually get trained to click on links in emails as a form of legitimate interaction.https://www.cl.cam.ac.uk/~rja14/book.html
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