With knowledge and social environment we can protect ourselves from fraud, because of course we can recognize the signs of fraud, verify information, and be more careful in taking information so as not to provide personal data or be tempted by quick money schemes carelessly. Nowadays, there are so many examples of fraud that often occur in this era, starting from online fraud to offline fraud, so always be alert to anything suspicious.
The prices of the goods are also increasing, etc... so people are becoming desperate of finding a better solution to this problem that they can end up joining shady groups, or can get trapped on it easily (this one is not intentional). You mentioned emotion there but this is still related to it. I mean if only things are already much better, the emotions of the people are also much stable and better as well, making them to decide the right things only.
Fraud is not new and it started actually in the offline world because there are still no internet back in time but now that we have it and almost all of us are relying on it, no wonder why there are now lots of frauds as you said. We can still use the internet to gain more knowledge and counter them.