The internet in the 2000s was like a WW1 Trenchline. Noise and graphic content everywhere and one wrong move could cost you life or limb.
I dont exactly remember when it started getting “safer” because I think the same time the internet was getting safer to browse, a lot of Millenial and Zillenial kids were getting smarter and otherwise learning how to not get malware and worms on their PC
I only fell for one of those maybe once or twice before I caught on. No money was lost though. just spam/adware
I did manage to get scammed and have my habbo hotel account stolen though, I was also a stupid kid.