Scammers will use just about anything to get your money such as fear, charity, sense of belonging, psychology of winning, love, and so on.
Fear is a very common and effective tactic since the human brain tends to produce a primitive (non logical) response to fear.
Common signs of phishing/scams.
Generic salutations (no name) "Dear Sir/Madam" "Hello customer"
Poor spelling or grammar
Unexpected content/topic
Products and services you have never used
Typo squatting on email addresses and web addresses
Attachments (any kind) PDFs, JS, EXE, Doc(x/m) and XLS(x/m), ISO - these and more can all auto trigger additional downloads/malware
Phishing and scams can come in ANY form. (Phone, text, email, fax, in-person, web pop-up, compromised...