Going phishing

This arrived in my email. Apart from the fact that I don’t bank with HSBC, you only have to hover over the URL to know it’s a scam.

(The actual URL is:
http://69.6.186.47//images/.www-hsbc.co-uk.uk-co=HSBC.personal-1-2/www.hsbc.co.uk/1/2/personal/pib-home/).

WhoIs indicates that 69.6.186.47 is an ISP based in Amarillo, Texas.

Why do people fall for this stuff? (They wouldn’t if they took our course.)