There are 2 types of scale insects. Hard and soft. Soft scale is NOT attached to the plant, hard scale IS attached and does not move, ever. Soft scale, which includes mealy bugs, are easily smashed and they crawl around. Many times you will see some of each on a plant but not always. What the two have in common is that both hard and soft scale have a waxy substance on them which makes contact insecticides less than preferable. Oils cut off all the oxygen and they smother. Neem oil works both ways. It smothers and also acts as a contact killer. Left alone scale will eventually kill a tree although it takes quite some time. Scale insects appear when a plant is stressed, either by some disease, a watering issue or nutrition. Very rarely will you ever see scale of either types on a healthy non-stressed plant. Before commercial organic fertilizers were available scale insects were very common. Now organic gardeners rarely see them but gardeners who still use synthetic nutrients see them quite often, especially after years of using oil based synthetic fertilizers.