Most web apps use JavaScript with NPM dependencies, known to be hard to secure against upstream injections. Most people use Bitcoin by sending each other invoices and addresses over messaging apps. Sometimes web apps. Some of these can be attacked to replace addresses. Even if *your* Bitcoin wallet is not affected, the messaging app where you sourced the address from may be. A hardware signing device will not really protect you, since you will just confirm on the device the (fake) address you see in the message.
Long term, this makes the case for good payment protocols (like generalized forms of BIP21, BIP321, BIP353, Bolt12, etc.), integrated into good messaging systems (partially unrelated cool experiments are going on with stuff like Bitchat, Whitenoise, Keet, SimpleX, etc.).
Short term: for relevant amounts, confirm the address with the recipient over at least 2 decently secure channels.
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