Unfortunately, it’s rare that we can control what hashing algorithm is being used to secure the passwords we enter. I merely pray that any account that also holds my credit card data or other important information isn’t using MD5. Some companies still don’t take cybersecurity seriously.
I just told mine, “If someone calls claiming to be me and says that ‘I’ am in trouble and need money, ask them [about thing from my pre-Internet childhood], and if they get the answer wrong, hang up, because it’s someone else imitating my voice.” No tech understanding required.