I think you're missing of the most important parts:
- learn to avoid addictive content
This means:
- games w/ MTX
- clickbait/doom scrolling
- gambling
Others got into that as well, but I honestly try to keep things simple, so I'll leave it as assuming that everyone on the internet is trying to screw you. For example:
- someone you don't know in person is being extra nice? They probably want something from you.
- a deal looks too good to be true? It probably is.
- something says you need to take urgent action? Probably a scam.
The internet is not a regulated place, so be vigilant about figuring out how the other party is trying to screw you and you should catch most of the crap out there. Yeah, not everyone is trying to screw you, but you should always assume they are.