The fraudsters are out there trying to get your password info so they can uncover other sites where you're using the same password. Heather says that you should use a different password for every site you subscribe to. That's truly the only way you can stay safe. Remember human psychology is always in play, you're either avoiding pain or you're seeking pleasure. The fraudsters capitalize on this by threatening dire consequences if you don't click that button or make that call or give out your credit card number. Fear is a much better motivator than pleasure because it taps into the survival instinct.