Eventually, it's going there but at the moment, people are mostly using low-tech methods to scam others. Oftentimes we'll overestimate/underestimate the abilities of scammers. It's important to realize that access to cloud services and sophisticated AI requires money for that infrastructure and these paltry scammers won't do that unless it's a part of a bigger org.
I'm guessing that most of these scams are coming from large orgs as described in the OP/comments, this seems like a fairly expensive operation. I'm also guessing that for about the same cost they could use AI to cast a much wider net, making it more profitable even if the quality is lower. The paltry individual scammers will probably go out of business soon.
