Most people are not hacked through complex technical attacks. They are compromised through simple, avoidable mistakes: using the same password on multiple accounts, clicking a link in a message without checking where it goes, or logging into an important account on a shared or public device. Phishing, where someone pretends to be a bank, a platform, or a trusted person to get you to hand over your password or personal details, is responsible for a large share of account takeovers. The protection against most of these threats is not technical. It is habit. Use strong, unique passwords for each account. Enable two-factor authentication on your most important accounts. Pause before clicking any unexpected link. These three habits eliminate the vast majority of risk.