What makes it into the inbox is of higher quality. Perfect 1:1 copies of real PayPal or invoice emails are the lesser evil. It becomes really dangerous when the senders work with real data, which they pull from data leaks or from people around you, for example. The latter is particularly dangerous because it is quite possible that you will receive a phishing email today from a person with whom you actually communicated yesterday.
This so-called dynamite phishing picked up speed through Emotet and has become the undoing of numerous companies, authorities, educational institutions and many more worldwide. The damage is in the billions. Incidentally, the attitude “There’s nothing to get from me anyway” is fatal, because online villains aren’t just after DAX companies, but everyone. Your Instagram account or your Netflix access may only fetch the phishers a few dollars on the dark web, but if you sell in large quantities, you still get a good deal.
