Internet technology may be advancing but people will only be susceptible to hacks. Phising, hacking, and whatever those evil geniuses could think of will also advance, unfortunately. The only effective way to ward them off is to be informed. Yes, you just need to know what's happening, what's real, and what to do. In one way or another, I'm sure you've encountered phising sites but were clueless that it is one. But hey, I know you're smart so you chose to ignore them.