Many e-commerce experiences are straightforward. It’s also easy to buy and receive physical products, digital items, and services from established businesses like Amazon, Fiverr, Microsoft, Wise, etc. E-commerce can get tricky and potentially fraudulent when someone must transact directly with another individual. The more money involved in the transaction, the higher the risk to the buyer since the buyer typically must initiate the transfer process with payment. Additionally, schemers and bad actors surf the net looking for people to scam. I haven’t been scammed, but millions of internet fraud cases occur yearly.