What is the explanation for the risks of browsing the internet?

I will list a few risks down below:

  • Phishing scams are fraudulent e-mail messages or Web sites designed to trick you into entering personal or financial information. Phishing scams often spoof companies you know and trust, like your bank, and might contain urgent messages with threats of account closures or other alarming consequences. Some phishing e-mail messages and Web sites contain malicious or unwanted software that can enter your computer if you click links or file attachments. For more information, see ID theft and phishing scams.
  • Hoaxes include lottery scams and advanced fee fraud scams. For example, an e-mail message might request your help in a financial transaction-such as the transfer of a large sum of money into your account. Or a message might contain a claim that you have received a large inheritance from someone you do not know, or that you have won a lottery that you did not enter. For more information, see Scams that promise money, gifts, or prizes.
  • Viruses, Key-loggers or other spyware are file that can be found in many downloaded file from the internet and are often found in Zipped files (e.g .zip, .rar) but are also often found in normal program files and when run can activate them causing you screen to fill up with pop-ups, or start a program of which you cannot see and steals your passwords as you type them. Viruses are things that would usually infect your computer and start making it behave badly or doing things that it's not meant to, and eventually your system will pack in. Some spyware object are anonymous files that log the things that you do, like websites visited, passwords entered and any other information entered.