Regarding those people claiming I never got infected the majority of them are unable to check everywhere (OS) carefully for hidden malware or traces...
Exactly!
Antivirus software isn't as quickly updated as DNS or ad blocking filters and for that reasons you can't expect them to catch malicious website which typically last an hour or so before they are taken down. Again, this is why phishing is so efficient; antivirus companies just can't keep up with it. By the time antivirus company adds phishing domain into their data base, website is already long gone.
Your statements are mostly on point but this one is rather nonsensical.
1. If antivirus companies with billions of revenue can’t identify the Phishing website, what makes you think NextDNS or some community-maintained lists will have detection? Unless you are talking about the ability to block brand new websites. Similar reputation and whois analysis is also performed by AVs.
2. There are many real time analysis methods that are employed. They vary from vendor to vendor but pretty much no one nowadays relies solely on the concept of the phishing URL being on blacklist.
If anyone hasn’t tried Check Point Zero Phishing, it may be time to.
In fact the only providers relying simply on blacklists, are the ones that you mentioned (Quad9, Hagezi and so on).
You are saying “that’s why Phishing is so successful, because AV companies can’t keep up. They may be missing some Phishing here and there.
But how much do they block:
Total Phishing Emails ~3.4 Billion Global / Daily
Google Blocks >100 Million Gmail / Daily
Microsoft Impersonations ~42-61 Million Estimate / Daily
UK Businesses Attacked ~1.4 Million UK Gov Survey / Yearly
Confirmed Breaches (DBIR) 949 Verizon DBIR Cohort / Yearly
Common sense is the one that will tell you not to enter your credit card details after taking a survey for free iPhone, not an antivirus software. It will also say that you aren't related to any Nigerian prince so you shouldn't give him your data when you get a mail. And that you don't have a banking account in Las Vegas filled with millions that you forgot about.
Yes, but you are talking about these cheap, ridiculous and very obvious scams that have been around since the millennia. There are highly sophisticated schemes that will make even you, with your common sense, scratch your head and wonder whether this is real or not.