It is all cognitive dissonance though, if you lost EVERYTHING (your phone) then any glimmer of hope would be pretty good and you would be typing that password in without checking - speed would matter more in this situation. Also, how literate are most mobile phone users? If your English is txt spk IN BLOCK SHOUTO CAPS then you are not really going to be reading URLs.

Excellent bit of social engineering by the scammers, shame they cause so much harm.