> It really is hard to figure out where to do a thing and it's also very easy to get phished

Maybe the federal government could use some of its powers to prevent literal phishing and scam sites from showing up in the advertising for the first, top listed results from search engines when non-technical boomers (or technical knowledge equivalent of) search for certain basic services. It seems there's very little actual evaluation by the ad-serving-entities of whether the destination of an ad is a legitimate thing these days.