I should have said “a well crafted malicious email” or SMS etc.

No such thing as completely idiot proof. But I think we can all agree an exploit that requires a click is a lot better for the intended victim than one that doesn't. This way they at least have a chance to not click it. Then we can start tackling the other problems with separate solutions

Phishing is big business and ways to combat are not fool proof. Education helps. Spam detection helps.

Education helps, but it puts the burden on the user. The real fix is shutting down the phishing source, not just filtering the symptom.