can we make it simpler? never send money to people we don't know, who just sent a message a few days ago... never do that, and never share data with anyone on the internet, even that greatly minimizes fraud via text messages on Telegram or other chat applications...
if you want to protect data to be safer, then never install something that is a threat to our computers, even if it is an official application... at least avoid unnecessary things to keep devices containing our sensitive data, at a safe level...
avoiding fraud through communication is quite easy to do, what is very difficult to prevent is avoiding fraud through viruses or malware that infiltrate our devices... something that we are not aware of is more difficult to avoid.