Yes. And the reason for all of this is the same as it's always been, and requires literally no technical knowledge to understand.

There is essentially zero accountability for harm.

There is no button on your toaster that blows up the toaster.

But there's a link in your email. And that's a button.

And no one has figured out how to punish Microsoft or Apple or Google for allowing that to continue, though we do this just fine elsewhere.

Someone or something has to be punished, regulated or otherwise hurt for anything to change here.