An AI (under your control) monitors all of your online activities, notifying you if you are about to do something stupid. Perhaps you set a policy about what level of privacy you wish to keep, and the AI notifies you if you are breaking your policy. Or, the AI infers your policy from watching your actions, and notifies you when you are doing something uncharacteristic.
Sites online can be very tricky, including scammers. Let the computer catch the tricks for you. Sometimes, you might just make a mistake (and one mistake is all it takes). Let the constantly vigilant computer catch them.
Architect things so that it is easier for an softbot AI to fulfill this role.
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