Heck, I've done ARIN whois lookups on a couple of the banks or whatever. One was in an industrial park outside Cairo, Egypt and the other was in Mexico City (Mexico DF).

You can spoof a URL and put up a page or even pages that look like the bank's real webpage.

If you have a problem your bank, tax office, credit union or others will NOT notify you by email. The tax folks have free postage and, if you're important enough, they'll send two or three people who will give you a FREE RIDE in a genuine government vehicle to a REAL government building!

As for the lotteries -- I've been notified that I've won millions of Euros, Pounds, Dollars.... Even the Irish Sweepstakes (which as far as I know don't happen any more)! I told the city's Chief Financial Officer about a nice banker in Africa who had all this money to share, but the CFO didn't care enough about helping out the city to contact him, and gee, I thought the city could use a few extra millions.

Just delete 'em. Remember, if it sounds too good to be true, it is.