>"It's surprising most MLM's are still so obvious."

From what I have heard & read, the obviousness is either intentional or unintentionally helpful, because it filters out people who would eventually figure out the scam (and would take up the scammers' efforts in the meantime). That said, more complicated frauds like what you're describing will likely proliferate.

I had a phone call the other day from someone identifying as police officer saying they raided a house and found something likely belonging to me and there is ongoing investigation. They knew my basic personal details. What was interesting that there was almost no gap between what I said and their response and voice sounded quite natural. I kept it for a while, because once I had a doctor call me who sounded like AI, but it was actually his real voice and it was embarrassing as I called him out for being AI. Anyway, they tried to get me to fill a police form (they knew my email as well) - this is where I realised this is a 100% scam. The email was spoofed. I reported this to the police, but they were not interested. I thought impersonation of police officer would be a serious matter. Apparently not in the UK.