You're going to get Hacked in 2025 (youtube.com)
Phishing now is 4 steps.
1. Data analysis, using WormGPT or something, and they scan all your public data (which you put on SM for them to scan) and understand your interests, behaviours, and preferences.
2. Personalization, where they send you an email or text or PM where their goal is to interest you in something you're already interested in, like your hobbies or purchases or family or they look attractive and hit on you.
3. They use AI to create an email where they use language that sounds like the same language your friends and family use, or the place you work for uses, or your government or utilities company uses, or your phone company uses.
4. They automate the thing to send you email and replies and time it properly, so they don't have to be hands-on.
Never click links. Your bank says to click a link because you have to do something. Don't click that link. Go to your bank account the same old regular way, log in, and look around for a notification in there. ... If you see an offer to save $1000 or win $10,000, don't click. ... If you get an email that looks maybe real, don't click any links, but send a reply email to them and test them, verify them to see who they really are, and then when they reply maybe you click their link.
If you get a link, do not click it but instead, very carefully copy the link and paste it in virustotal to scan it, but be aware that even if it's clean, it can take you to a clean webpage but that webpage then clicks (by itself without any action from you) into malware.
Polymorphic malware changes, it dynamically modifies its code at runtime, so it can be scanned by malware scanners and they find it to be clean, but then it recodes itself into malware.
One way to reduce malware is to fund projects like Bitdefender, where their team is constantly making tools to undo ransomware attacks and some other attacks (not all attacks have a coding solution, and rely a responsible person doing things before you get hacked solution instead). Ramsomware people make a ransomware and lock up peoples' computers, but then Bitdefender publishes a free software that unlocks the ransomware. This discourages the hackers from doing this, because they spent work and took risk to make that hack and distribute it. The more that happens, the less positive incentive there is to do it.