I have found that it is harder to run games set in modern times for this reason. My players know quite a bit about modern life, so stuff like movie hacking, secure facilities not having elementary security precautions and unlimited mooks that are willing to die for nebulous evil organizations will stand out whereas they probably won’t notice that there’s no way anybody in a 500 person village has any need to buy looted armor and weapons.
Just add ninjas - nobody questions it when you add ninjas.
This seems to work for fantasy and modern settings.