Once helped a woman who got a fake "please update your Apple ID info" phishing email. The link was to a website that looked a lot like appleid.apple.com. Both the site and email were pretty good fakes.
So I opened the link. It had a login form and when you "logged in" it asked for EVERYTHING: Address, Social Security, phone numbers, credit card numbers, Bank Account info -- including bank login, account and routing numbers (!) -- everything.
I said to her, "You didn't fill this out...right?" She said, "Oh yes, I filled it all out. I thought Apple needed this info." I didn't know whether to laugh or cry. I told her this was all fake, this was a scam and Apple would NEVER ask for this information. I showed her how if you clicked the "From" name in the email, it was actually some weird, definitely non-Apple domain. I showed her that the website address was NOT at apple.com, and that you could put any gibberish in the login fields and it would work. Told her never to click on links in an email and I said "If a stranger on the street walked up to you and said they were from the bank and needed all your account info, would you blindly trust that they were from the bank and give it to them? Of course not."
Of course she freaked out and said she was going to the airport right afterwards to fly to Europe for a month. I told her to call her banks immediately, I helped her change all her passwords right there before she left, I said keep a very close eye on your accounts now and immediately report anything.
The lesson to take away here is that there are a LOT of people like that woman -- seemingly intelligent people that can be totally clueless. That's why security should rely on the user as little as possible. People are dumb and cannot be expected to manage their own security (even though they should). These emails are good, but most people will get hundreds of them (every time they log in) and eventually just ignore them, like they do with the Facebook ones.
I don't have the answer but I hope we'll see more security improvements going forward.