The primary reason - there is a lot more money in the system than in the 90s. As a consequence, there is a lot more scammers, spammers and hackers. As a consequ

The primary reason - there is a lot more money in the system than in the 90s. As a consequence, there is a lot more scammers, spammers and hackers. As a consequence, companies built defences, inconvenient for the users. There is a never ending arms race, of which we are the victims.