I think it may depend a lot on what links you visit or don't visit. Maybe we are a little more careful about which emails we open or respond to.
yea....back in the day when i was foolish enough to offer to fix a friend or relatives PC and then became their unwilling de facto weekly free PC tech for life i’ve learned how naive many PC users really are when it comes to surfing the web.
I myself learned way back in the late 90’s what was obvious BS or not...many others apparently cannot comprehend that concept.