To be fair about setting up a Pihole or some other form of DNS filtering, that's something that the network administrator should do, not individual users. It's a shame that it's still not trivial - companies that make NAT routers resist building in things that they don't completely control, so a configuration page for Pihole in your NAT router's web interface likely isn't coming soon. I hope that changes.
Mom also understands that someone taking over her Nextdoor account would be a nuisance, whereas someone taking over her banking account would be significantly more problematic, so the more important something is, the more time she'll take to ascertain its authenticity.
I practice explaining these things because I do it often. One interesting observation is that Mom believes me, so she does the things I suggest, whereas younger people think they know better, so they generally don't put much energy in to my suggestions. I'm working on ways of showing people that they're not necessarily safe because they're "doing the same things they've always done, and nothing bad has happened yet".