Why can sunlight still be harmful despite the skin's natural photoprotective mechanisms?

Many people would answer:

“Because the Sun has become more aggressive.”

Wrong!

The Sun is not to blame. The real problem lies in our modern lifestyle and in behaviours that expose the skin to conditions for which it was not naturally designed.

The skin's natural photoprotective mechanisms require time to become fully effective.
Today, sun exposure is often intense (lasting many hours) and occasional (limited to a weekend or a few days), frequently taking place in tropical or subtropical regions where solar irradiance is particularly high.
As a consequence, the skin experiences a continuous “stop-and-go” pattern of exposure. Paradoxically, its natural defence mechanisms reach their maximum efficiency only after the sunny holiday has ended.
Another important factor is the widespread cult of tanning, which encourages prolonged and excessive exposure to sunlight in the pursuit of a deep tan.

Acute, intense exposure

The immediate consequence is sunburn (erythema).

Chronic exposure over many years

Sun-exposed areas may develop photoaging and, in some individuals, skin cancers.