Have you ever experienced wanting to avoid doing something that will definitely have bad consequences, but eventually you did and learned a big lesson. The worst thing is that you might do it again but in a different way. This rule works for online fraud. I have seen someone who was considered to be really smart, but got defrauded online. They just thought that they were smart enough to avoid online fraud without doing anything, but meanwhile the fraudsters tried their best to create many ways to make their target willingly transfer money to them. It is just like a war, you don't know anything about your rival, but he knows you well enough to be able to predict your next plans. It's really terrible! So, preventing online fraud just by believing you are smart enough is a bad idea. I think that an app created by the police is a reliable weapon to fight against online fraud. Fortunately, I have installed one on my phone. Any suspicious calls and messages can be intercepted with it.