It's not that the programs have become smarter, but the thing is that people can never wise up and realize that nothing happens by itself, but that they themselves are mostly to blame for such things. If your AV and firewall warns you that something is wrong and that you should not allow a download or installation, then in most cases you should listen and not give permission for such an action. Of course, false detections can always happen, but if someone already has protection, then it should be allowed to do its job.
Unfortunately this is true, most of the cases that happen are due to users allowing the malware to install and give it permissions due to ignorance, greed or haste.
A few days ago I received an email that appeared to be from the PreSearch to distribute an airdrop to old members according to what they have in their wallets, the message claims that each user will get about 43,000 PRE tokens which is worth about $600, everyone who clicked on the link and connected their wallet and gave permission to the malicious site was exposed to hacking their wallet and stealing their assets.