> "Why does this permeate the HN all the time."

It's a bias, an in-bubble illiteracy effect, concerning the perception and analysis of realities (e. g. experiences) outside that bubble, mirroring an in-group's projections about an out-group. It is, in my decades of experience, a very common phenomenon in the IT sector.

> "My Dad doesn’t have one, he has zero-to-no trouble going to the bank and paying his bills and just about every other imaginable thing."

So far, that holds true for me as well (Germany).

> "If there was something he could not do and there were repercussions for it he’d be calling an attorney to rectify the situation."

The crux: the increasing friction brought on by rising technological entry barriers. In Germany you have at least the non-exclusion principle of Teilhabe (lit.: participation) which gives certain guarantees. But such achievements of democracy are continually under fire.