Yeah. It is much harder now than it used to be. I know a couple of people who came from the US ~15 to 10 years ago and they had it easy. It was still a nightmare with banks that don’t want to deal with US citizens, though.
As Americans, getting a long-term visa or residency card is not too hard, provided you have a good job. It’s getting the job that’s become more difficult. For other nationalities, it can range from very easy to very hard.