Wallet security

I’m not knowledgeable about how wallet security works, I would appreciate some feedback regarding this issue. You always hear keep your passwords secure etc etc…can’t scammers create password generators to hack into a wallet? if its only 12 words you would think a wallet can be compromised. is there something in the wallets preventing a generator from working? will the wallet lock up after so many wrong tries? If someone tries to hack my wallet and it locks up, if this is the case, will I be able to unlock it? or is this a non issue? please dont just answer with get a cold wallet ledger etc. Im curious how all this security works on hot wallets. thanks in advance for your responses.