> That was a world where the user base was much more limited and devices were less capable. Now we have children, grandparents, educated, and uneducated users with access to web connected devices. These devices now contain everything about you. Compromise of a device can destroy someone’s life.

Kids these days have much worse computer skills BECAUSE of the locked up platforms they are exposed to from a young age. Meanwhile two decades ago my non-technical grandpa learned to use a real PC just fine in his old age. Don't underestimate regular users ability to deal with technology when there is a will.