Trading and deposit funds are into a 2of2 multisig, so if you can prove you’ve made the payment, the mediator will suggest a payout in your favour (receiving the trade funds, your deposit and a part of seller’s security deposit.
If seller doesn’t accept the mediation suggestion, will probably lose all the funds at arbitration. Arbitration can start after 20 days since the start of the trade, by rejecting the mediator’s suggestion (you can do so even after having accepted it previously). Rejecting mediator suggestion triggers the delayed payout transaction, which spends all the funds to the DAO address.
Responding to your thread’s title, you can’t avoid scammers. There is always risk. All platforms have risk, no matter what they say to make you feel better. Know the payment method and Bisq as best as possible to reduce the risk and keep the limits into amounts you feel comfortable with if something happens.