This is 100% not true as I have personally had several times where I got ransomware (though still the thing I wanted to download somehow?) in late 2000s / 2010s. Hasn't happened a single time since, even downloading the most sketchy torrents. For a lot of younger people, if they want to torrent something they're not looking at trackers or much of anything, they just want the download. Windows defender used to be complete trash at preventing viruses so you'd need to know to download things like malwarebytes and be a lot more wary of what you download, and even if the torrent is 100% legit you'd have random registry/driver/software issues. Now these issues are rare unless you're downloading some custom software or a much older game.

The one thing I would say was a lot easier back then is it would say "xyz free download" and it actually would be the thing itself instead of random bloatware.