Peer-to-peer transfers are fast, often irreversible. That convenience is why marketplaces, landlords, and fraudsters alike push app payments. The durable skill mirrors wire-transfer safety: confirm identity and purpose on a known channel before sending.
Marquis already knows what peer pressure sounds like when money is involved; Beatriz has every reason to be careful after seeing how fraud and identity theft stories travel in her community. Role-play a “five-minute panic” text, not to scare, but to rehearse the boring, brave answer: “I’ll call you on the number I already have.”
Classroom angles: compare P2P to credit cards for dispute rights (generally weaker on P2P for many person-to-person sends), discuss fees and instant-transfer costs, and practice refusal scripts for “send a deposit to hold the item” scams.
Pair with digital hygiene: strong device passcodes, lock screens, and skepticism toward SMS links pretending to be banks or apps. Tie back to your broader fraud unit without duplicating every AI-scam example, P2P is its own habit set.