The single biggest protection for your family is not a piece of software. It is a few quick agreements that everyone in the family knows by heart: a private code word for any emergency request for money, an understanding that nobody sends money in an unusual way without calling a family member first, and the freedom to ask without embarrassment when something feels off. Get those three agreements in place — and turn on two-factor authentication on your email and bank — and you have already defeated the vast majority of scams in circulation today.