The only real difference that matters between a fake site and a real site is that the information on it is genuine, the form doesn't really factor into it. Which makes this a very tricky problem: You can't tell if the data is genuine before you have the genuine data.
If you're trying to do something for the first time with a big company, you usually know the domain name. Like Google is google.com. Or for something like your bank, it'll be printed on your credit card.
My parents were highly computer literate and taught me how to use them growing up. These days they can barely even send emails and spend 30-60 minutes looking for files that are either on their desktop, download folder or in Recent Documents menu in Word/Excel. At some point in the aging process computer skills are one of those things that seem to go.
I don't think they go at all, I think software development is just bad all around. Almost all software is really, really bad and we just put up with it or are used to it.
Most software does not value consistency or UX maintenance AT ALL.
What I mean is, a lot of those older programs arguably had much better user interfaces in terms of usability. More contrast, more text instead of glyphs, and often still simpler.
UI is like fashion, it changes because change is good. Not because those particular changes are good.
Compare Windows 11 and 7, or XP, or even in a lot of ways 95. What's the prettier experience? 11, I guess. But which one doesn't make me scream at the computer? Not 11.
But it's not just Microsoft, Apple does it too. We throw away literal YEARS of user understanding and memory for nothing. Users get tired over time. They can't keep up, nobody can, and it gets frustrating when things just get worse and worse over time.