I do fraud prevention as my job. The "ridiculous levels of online fraud" isn't happening. There's been a mild uptick in fraud which you would expect from an event that impoverishes millions (covid), but all those people on your favorite website that are so crazy they must be bots spreading misinformation? Nope, those are almost entirely real people. Millions of people are just that awful, hateful, spiteful, dumb, whatever.