"I don't have an account, so I opened the link to my account." What?
I'm sure this is something that victims of phishing come to realize. Logically speaking, how can you be instructed to log into an account that you don't have?
That's where the fear comes in. People don't like the idea of being charged for something they didn't buy into. I've seen two main motivators for these types of scams: Fear and greed.
The Nigerian prince scam easily preys upon your greed. "Golly gee, I just have to provide a bank account to temporarily hold 30 million dollars, and I'll get a hundred grand out of it. Easy money!"
Bill phishing scemes play upon your fear. "Unauthorized access that could get my credit card turned off?! ABORT! ABORT! Let me log in real quick and tell you to cancel it!"
Both of which can be overcome with simple logic, but that's why they use dodgy language—to make you forget the logical side momentarily so that you're ruled by your greed or fear.
Sometimes it doesn't take much to make an otherwise rational person give in to his irrational side.