Downsides of digital communications
Fraud (n) -
wrongful or criminal deception intended to result in financial or personal gain.
Fraud is when people intentionally decent you for personal gain. Examples of fraud would be if so called "companies" email you asking for you personal information (i.e., social security number, credit card numbers, bank numbers/passwords), when people try to tell you stuff, but it is fake (i.e., paying online for a laptop but receiving a rock in the mail), and work at home items (i.e., "owners" needing you to send them information for you to get paid.
How to avoid fraud
Do not reply to emails with your personal information, research the institutions/check the customer ratings, and if it looks too good to be true.. it probably is