A few of you. The rest can barely operate a smartphone let alone do online banking, much less understand a phishing scam.

The problem though isn't that people in general lack the understanding or capability to operate computers, it's that we live in a society where continuous learning is not encouraged nor funded. Education is seen a means to an end, and learning isn't seen as a way of life.

If the government either provided or paid for lifelong learning, things would be very very different. For example when new tech comes out affecting everybody, it should be encouraged to take a week or two off work, at full pay or paid for by the government, to stay current. But right now, only the wealthy and lucky few can even afford that.