And because things are so chaotic, scammers are going to have a field day with this one.
I'm almost the same as OP, but I wouldn't call it "head in the sand". For the past few years, the media has been exaggerating everything and creating mass hysteria. If you follow the news closely, you'll think the world is about to end: Wars, economical depressions, climate changes, new pandemics, etc..
Stop following the news, and you won't notice a thing. Probably the price increases, but other than that, your life is the same.
HackerNews has an interesting approach: You can't downvote comments unless you reach a certain amount of "Karma", and you can't downvote posts at all, you can "flag" them, meaning you think they don't belong here. Flagging doesn't affect the vote count, but massive flagging does make the post appear lower in the feed, and alerts mods.
This, alongside the tight moderation and zero-tolerance towards flame wars in the comments makes HackerNews one of the best places on the internet imho.
Yeah I agree. I'm mostly talking about what you'll find on Twitter and big subreddits.