Don’t you get sick of the constant text messages warning that you haven’t paid a toll, or that you’ve missed a package delivery or have a refund owing? In many cases they’re clearly fake but there are scams that aren’t so obvious, and Australians have lost billions of dollars to them.  Today, consumer affairs reporter Michael Atkin on why more of us are falling for the traps set by criminals and what the big banks should be doing to protect us.  Featured:  Michael Atkin, ABC consumer affairs reporter