Others are tricking you for their own gain!!
How to avoid fraud:
To avoid fraud: don't reply to emails that ask for personal information, research institutions, and if something sounds too good to be true then it probably is.
Don't let them trick you!
How do I know it's a fraud?
Fraud is an email or something like it that says they are your bank or something, but really aren't and are trying to trick you into sending them your personal information.