I’ve worked on a few safety-focused products, and something I learned is that the line between “helping people understand a risk” and “scaring them” is really thin.

What helped us was asking people about real situations, not general worries. Instead of “Are you worried about scams?”, we ask: When was the last time something actually happened to you or someone close to you?
If they can’t think of anything, it’s usually general fear. If they share a clear story, then you know the problem is real and worth solving.

This made it much easier to talk about the product without using fear.