I fell victim to the ‘easiest banking scam in the world.’ Am I a complete fool?

Dear Quentin,

I don’t know if any of your readers have had similar experiences, but here goes. I received a call from my bank, Citibank, and was told that I had been the victim of online fraud. Except it wasn’t Citibank. It was late on a Sunday evening, and I was tired and getting ready for bed. The caller asked me if I had used an ATM recently, and I said that I had recently been to Paris and used an ATM that looked suspect, but I was in dire need of cash. I put in my PIN number and withdrew 200…