Recognizing A Scam Text

I want to believe that I can outwit scammers, but even true cybersecurity experts like Troy Hunt have been fooled. I'm tech support for some of my age-mates, so I needed to write this anyway, so I'm sharing it.

Just got an SMS/text in Messages on my iPhone

( screenshot )

which claimed

1-727-241-1788
Text Message • SMS Apple Notice: A charge of $157.89 was deducted from your Apple ID via Apple Pay. If this was not done by you, Call support now 1-833-869-3310.

This failed the “smell test” five ways

1. SMS not iMessage. Apple invented the iMessage protocol to provide Apple-specific features, including fun visuals. All other platforms now have fun visuals, and Messages can send via other protocols, but when Apple contacts me, iMessage appears above the text.
2. Lacked official Apple info. When Apple contacts me via Messages, I see an official Apple Badge such as the white and gray items with Apple logos in the image.
3. Message via wrong channel. Apple emails me receipts; I didn't find the dollar amount in my email. I have my Credit Union push a notification whenever my Apple Pay–credit card gets charged, and I didn’t receive any notice from them.
4. No Apple Pay charges at official site https://support.apple.com/en-us/118212 explains how to check all Apple Pay charges from the web with any device, as well as specific instructions from an Apple device. No charge appears there.
5. Wrong terminology. Apple changed the branding on usernames. It used to be "Apple ID," but it changed to "Apple Account" in June 2024.

How do you recognize scams?