The overwhelming evidence is that this isn't true for the majority of users.
Consider: most (over 50%) of company compromises starts with phishing (or with reuse of compromised passwords, which are also usually sourced from phishing). It's even higher for ransomware attacks specifically btw. This means that if we were able to stop phishing and credential theft, we would cut number of cyberattacks by half! That's not something you can downplay.