Phishing continues because unfortunately it works. This article provides a good overview of some of the basic techniques in play at present. A lot of these attacks are simply modern versions of age old scams run by con artists for many decades. Instead of working on a street corner or a shop front they can now scale the approach to massive numbers using the internet. While technology helps to some degree the complete answer can’t be found without addressing the human factor
https://www.securityweek.com/2020-rings-new-era-cyber-attacks-and-its-getting-personal