The thing is, I'm neither a Luddite nor technologically illiterate. I've been a coder for forty years, a former Unix systems operator, and an electronic tinkerer. Nonetheless I find myself increasingly left behind by processes, interfaces, and institutions others find normal. I didn't buy a smart phone until about two years ago and I still find most of its functions inscrutable. I simply dislike the damned thing and resent having a phone in my pocket. I grew up in a world where being away from my phone meant blissful privacy. I wouldn't have it at all if not for the difficulty of navigating modern life without one. For example, 95% of communications with my doctors is via text. I don't text, but they do. Mostly, when I want to text I put a stamp on it and drop my text into a mail box.
I've installed software for decades, and can write installation wrappers on my own, but app stores frustrate me. I can create user interfaces, but find Windows and Android opaque and obfuscatory. Much of the problem seems cultural rather than technological.
Edit: I also haven't owned a TV for 35 years and maybe that's where some of the acculturation occurs. I don't know.