I’m a good bit younger than you (not assuming, I recognize the username :), and I think they have gotten considerably better at putting more advanced kids into classes that challenge them. I grew up in Orlando which historically has pretty poorly rated schools, but I think they were active in making sure the children are put into the right courses. I also think that there’s just more granularity now.

When I went to college, it was definitely tougher, but I was able to pass the freshman physics and multi variable calculus courses first time around, without significant tutoring.