Can't find the people who are smart enough to download and use My First Password Cracker, but I'm sure you'll totally catch the people who were smart enough to create it.

Golden age implies that great (or, at least, impressive) things are accomplished. Nothing much impressive about (to paraphrase) shooting fish, in a barrel, twice in the head, with an elephant gun.

More online services each year = more targets each year. Inadequate investment in security = easier targets. I'm sure crackers are getting more sophisticated, but probably no more than in any other field. It's definitely easier to find victims.

One could imagine an age of some kind which grows from all this, but not quite there yet.