I also think that fraud is becoming more and more personified. So is blackmail.
I got a mail a year ago that showed me an old of my passwords. Even if I had changed this password time ago, I was very shocked at first.
Then it was said that my camera was switched on when I had watched a porn video. And they would have recorded explicit actions from me. If I would not pay, all my email contacts would get an email with a video of my actions. Because that never happened I was confident and I didn't react to the blackmail. Even if I had done explicit action I would not pay. Later I googled this topic and the police was aware of this kind of blackmail and warned people to react in any way..
But how terrible if someone really used the iPad that way and he is very shocked at the first moment and some people do ill-considered actions and pay.