Scams and Online Safety

Meera's mother gets a call — the caller says he's from the bank and needs her OTP to "verify" her account. He already knows her account number, so she assumes the call must be genuine. Meera disagrees. Who is right?

"Congratulations! You've won a new smartphone. Just pay a small delivery fee to claim it." Aryan gets this message and thinks it must be real — "why would they lie?" His sister says this is a well-known scam pattern. Who is right?

Ishaan says a website that looks clean and professional, with proper logos and design, must be genuine and trustworthy. His friend disagrees. Who is right?

Divya gets a message from her friend's account — urgently asking her to send money for some "emergency," though it reads a little differently from how her friend usually talks. Divya assumes that since it's her friend's account, her friend must have sent it. Her brother is doubtful. Who is right?