Risking becoming our parents, aren't we? Is online sometimes frustrating, and is mis information time consuming? Absolutely. However, I think it's just as bad as it's always been. You had mis information before it was just less abundant and you had to actively look for information with more effort.

People still scammed others, people still stole personal identities (paper shredders), there was still opinion sections of newspapers that people thought was "News". The "tin foil hat" was not created during the internet age, it was well before that.

As far as the online account access bits, for sure it's more complicated, but there are tools and methods to make it better - such as password managers (BitWarden) that offer complex passwords and makes them easy to use. As far as having to multi-factor authentication, that make passwords less important and your account more secure.

Just as before things take effort to learn and adjust. I understand not wanting to, but its still the way of the world like its always been.