Technically yes, but it seems like people's intuition for safe behaviour is worse across the board with modern technology, than it is with old technology.
Maybe it will improve by itself over time, but maybe not? There are a lot of things that humans generally suck at, and successful, human-friendly design must take that into account and work around it systematically.
Maybe phones/it/banking/payments/identity/authorization needs to be radically changed, in order to serve society well.
