I also used gopher, usenet, uucp, archie and all that in the early '90s. And if you were just a little bit careful, catching a virus or trojan was very rare.
Now, everything is monetized. You're under constant surveillance on a scale it was unimaginable at that time, and being careful amounts to nothing (unless you're super paranoid) because your security depends completely on how others secure your data, assuming that they're trying to secure and not sell it.
In this respect, now it's much, much worse than it was, even if in some other ways it's somewhat better.
Peak internet was around 2005-2010, IMHO.