My second thought was the majority of this type of fraud is probably from foreign impersonation, not Americans.

There's an industry for it in India, because they can source english call center workers there fairly easily.

The youtuber Mark Rober ran into a couple of US mules for these sorts of scams while working on one of his prank videos, and decided to team up with some other youtubers to troll some of these companies in India. The video on it is worth watching: https://www.youtube.com/watch?v=xsLJZyih3Ac