If you think about it from the perspective of a would-be scammer, it's a golden racket. Not only do you not have to put in much work - it's not a coincidence that a lot of these messages have the same bland "corporate newsletter" tone that pervades 99% of AI generated text - but even if someone catches on and calls you out, as long as you've created a sympathetic enough character, a bunch of strangers on the internet will defend you from any and all accusations.
Not only is it less work than before, but now you don't even need to do anything to make people believe it, you just crowdsource that out, because calling out your scam is now cultural anathema.
Not saying to never help people if they need it, but like OP said, think critically about it. Do I know this person? Do I have any way of verifying their claims? Does their account have history of any activity other than "Randomly cold-call strangers asking for money"? Are they asking for money through a mechanism with zero recourse if they're ever outed as a scammer?