It requires a lot of discipline to go your route which I'm afraid most of us don't have. Avoiding the tricky emails and come-ons is easier though. All you need is a healthy amount of skepticism. Something which most of us seem to have in abundance on this forum judging from the posts.
Thanks for the compliment of noticing that I have a discipline, that's what made me a tough survivor , my close friends always told me that the winners of the survivor show won't be able to hack it, if they were in many of my situations.
I do lose my discipline once and a while when it comes to uncontrolable joke lines, and the moderator of this site, have taken few of mine out !