“…We choose eighteen questions in the financial, recreational, and social domains as these domains were more relevant to online scams, especially phishing attacks [14,44,[84][85][86]. We did not include any health and safety or ethical questions in our study due to legal restrictions [87,88] and cultural differences [89]. For example, participants would probably not have been comfortable answering questions that included "Drinking heavily at a social function" as Iran is an Islamic country where drinking alcohol is prohibited by law.…”