Could you spot the scam?

Eight everyday situations. Choose what you would do, and each answer comes with the reason. Nothing is marked and nothing you choose is saved.

1. Your phone rings. The screen shows your bank’s name. A pleasant voice says there is fraud on your account and asks you to move your savings to a “safe account” while they fix it. What do you do?
2. A text says a package for you is being held and will be released once you pay a $1.99 fee at the link. What is the safe thing to do?
3. A caller says they are from a government agency. You owe money, they say, and it must be paid today in gift cards or there will be trouble. Could this be real?
4. A text arrives with a six-digit code you did not ask for. A minute later somebody calls, says the code was sent by mistake, and asks you to read it back to them. What do you do?
5. While you are reading the news, a page fills the screen, an alarm sounds, and it says your computer is infected. Call this number now, it says. What is the safe thing to do?
6. A young voice on the phone says, “It’s me, I’m in trouble. Please don’t tell Mom and Dad.” They need money sent right away. What do you do first?
7. An email at the top says it is from your bank. When you press the name, the address underneath ends in @secure-alerts-mail.com. Who sent it?
8. A letter says you have won a large prize in a drawing. To release it, you only need to pay a small handling fee first. What does the fee tell you?