Its hard fro some of us to believe that people are still duped. It's like we forget how 'bill collectors' and 'lotteries' really work. Of course youll never win an African lottery without even entering - but people still get duped. The advice I give is this:
Once you realize what the email/text is about ("you win", "we have a banking proposition" etc etc) then stop reading immediately and ask yourself:
Have I ever won, received or done a transaction regarding money with anyone ever in this medium (email/text)?
The answer is obviously no, delete the email. If its truly important you will be notified in other ways.