The only online scam I've fallen victim to so far was in an old online game, and scammed me out of measly in-game currency.
... One that isn't even worth real life money, nor it did involved any real life money.
Just an in-game scam, a simple stupid case of impersonation and induced false urgency.
I was 16 or something.
That would be about 13 years ago now.
Well, now that I can actually shop online... About once or twice a month if I can afford to for the last 5+ or so years now.
... I'm extra cautious of where and how I buy things online.
I don't buy on sources if no one that I knew trusted that source.
I don't trust referrals that I do not know or trust; they might be a shill for all I know.
I don't buy on sources if it's not well reviewed on delivery (the accuracy of advertising and products' authenticity itself is another matter).
I don't buy on sources that whose seller cannot confirm their physical address or origin of online source.
I don't transact money online. Ever.
Cash on delivery or nothing. Never put my debit or credit card information.
I can say the same with getting a possible online job.
I do a lot of research and go though trusted networks to confirm it's legitimacy before applying.
I stay out of any person in any online relationship that ever demanded money from me. So no love or pity scams, ever.
I came from a place with dubious online connections.
I'd rather never typed any account that is even remotely tied to my bank info in any devices that I do not trust it's clean and connected to any network that no one I knew paid for.
If I want to risk it; I'd get a separate bank account that's separate to my livelihood and known online identity with a budget that I can afford to lose, a disposable device (or a device/emulator that cannot remember history or one that you can always reformat and reset to factory settings) and no one else touches it, a network connection with multiple VPNs, a browser that can at least dive through the dark web and go anonymously.
Overkill, I know.
The rest is experience and knowledge of how I judge who I should and shouldn't trust, when and when I gamble...
What can I click, what I shouldn't click open link and download then open. 