True, but I don't fault someone for getting the feeling it's a scam and backing out.

What if you weren't that savvy, and someone says to you "hey I'll give you some free money, just download this app that's TOTALLY safe, then let my phone do this quick communication thing with your phone."

Fuck off, right?

I think the key is perception. QR codes look cyber-y. Normies understand an underlined link.

And, tbh, QRs are not human readable, so you have limited ability to vet it visually. Especially for a normie.