I tried install [https://www.curseforge.com/minecraft/mc-mods/wi-zoom/files/3171791](the 1.16) version, but it complains about a 0.12.1 fabric version, which doesn't solve the problem if given.

Incompatible mod set!
net.fabricmc.loader.impl.FormattedException: Mod resolution encountered an incompatible mod set!
A potential solution has been determined:
- Install fabric, version 0.12.1 or later.
Unmet dependency listing:
- Mod 'WI Zoom' (wi_zoom) 1.3-MC1.16.5 requires version 0.12.1 or later of fabric, which is missing!
at net.fabricmc.loader.impl.FabricLoaderImpl.load(FabricLoaderImpl.java:190)
at net.fabricmc.loader.impl.launch.knot.Knot.init(Knot.java:148)
at net.fabricmc.loader.impl.launch.knot.Knot.launch(Knot.java:68)
at net.fabricmc.loader.impl.launch.knot.KnotClient.main(KnotClient.java:23)
at sun.reflect.NativeMethodAccessorImpl.invoke0(Native Method)
at sun.reflect.NativeMethodAccessorImpl.invoke(NativeMethodAccessorImpl.java:62)
at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43)
at java.lang.reflect.Method.invoke(Method.java:498)
at org.multimc.impl.OneSixLauncher.invokeMain(OneSixLauncher.java:104)
at org.multimc.impl.OneSixLauncher.launchWithMainClass(OneSixLauncher.java:175)
at org.multimc.impl.OneSixLauncher.launch(OneSixLauncher.java:185)
at org.multimc.EntryPoint.listen(EntryPoint.java:127)
at org.multimc.EntryPoint.main(EntryPoint.java:57)

You are confusing the Fabric API with Fabric Loader. This is an extremely common beginner mistake.
When a Fabric error message says Install fabric, version X or later., it is always referring to Fabric API.
You need to install Fabric API, version 0.12.1 or later (I'd recommend version 0.29.3 in this case), by adding it to your mods folder.

This error message is known to be confusing, but it's not something that I can change. The message is coming from Fabric itself, not from WI Zoom.