As for me I think the extreme way is on surfing online. But internet is a tendency so there are some ways:

Firstly being cautious to stranger launch to admit as the statics shows the instant messaging is a main way which the swindlers use to cheat people. F，keep alert to play online. One should use an orthodox third-party payment like Aliped or US key.

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At the same time one should not pay easily when you could not judge a web's facticity.

In everyone should believe that there is no such thing as a free lunch. So you should be calm when you receive an email or dialing which tell you win a prize in a lottery.