The Four Moves Behind a Scam · seed 1 · A4, ink-friendly. The answer key prints on its own page for grown-ups.

Spot the four moves of a scam

Life Skills · Money & Finance · ages 15-16
Name ______________________   Date ____________

  1. Why is an instant app payment like handing over street cash?

    • It arrives slowly over weeks
    • It cannot be pulled back afterwards
    • It needs a written contract

  2. Which four moves mark most scams?

    • Hurry, borrowed authority, secrecy, one-way payment
    • Luck, weather, traffic and hunger
    • Logos, colours, fonts and music

  3. Blocking a scammer undoes a payment you already sent.

    Circle one:   True   False

  4. A friend asks you to pass money through your account for a cut. Why refuse?

    • Cuts of money are always illegal gifts
    • Friends never share money
    • The bank treats you as the sender of fake money

  5. A buyer sends too much by mistake and asks you to refund the extra. What is it?

    • A kind accident to fix fast
    • The refund the difference trick
    • A legal bank transfer

  6. A message warns of a locked account with a link to fix it. How do you check?

    • Tap the link and log in fast
    • Contact the firm through an address you found yourself
    • Reply asking if it is real

  7. A seller refuses to meet and insists on wire transfer plus haste. What should you do?

    • Pay fast before someone else buys
    • Meet face to face or walk away
    • Send half now and half later

  8. Which message most clearly runs all four moves?

    • A parcel text demanding instant payment tonight in secret
    • A receipt with no links or demands
    • A parcel tracker showing delivery tomorrow
LightMySky · lightmysky.comW1-mt_0H9a6qv2XL-s1

Answer key

For grown-ups. Fold this page away before handing over the rest.

Spot the four moves of a scam W1-mt_0H9a6qv2XL-s1

  1. It cannot be pulled back afterwards · Seconds after you send it, the money is gone for good.
  2. Hurry, borrowed authority, secrecy, one-way payment · Those four together are the pattern. Point at each one in the message.
  3. False · Blocking only stops future contact. It never reverses money sent.
  4. The bank treats you as the sender of fake money · You become the person the bank comes to when the payment proves fake.
  5. The refund the difference trick · Their payment is fake, but your refund would be real and irreversible.
  6. Contact the firm through an address you found yourself · Your own channel cannot be faked by their message.
  7. Meet face to face or walk away · No meeting plus wire plus hurry is a red flag, not convenience.
  8. A parcel text demanding instant payment tonight in secret · Hurry, borrowed name, secrecy and a one-way route all sit in one text.
Worksheet · LightMySky