Hi there. Im new around here, just discovered this thread which is really interesting. Im 63 and tech savvy, got rid of my land line yesrs ago, do all my banking online via banking apps, and touch wood, have never fallen for a scam or fraud attempt.
I feel really safe online but this takes a commitment to my security, so for example, every password is a unique random scramble of characters which I change periodically, I check haveIbernpwned (sp?) regularly for data breaches and use the Apple KeyChain password manager on all my devices. Theres much more to it than these examples but it gives an idea.
I keep up to date on current scams as forewarned is forearmed. One form of scam that never ceases to amaze me is romance scams, just why on earth would anyone send money to someone they only know virtually?