If 1 and 2 aren't happening, then you can't blame people for resorting to method 3. Perhaps some blame should go to teachers/curriculum, but bagging on people for what they don't know only creates frustration, not progress.
An example from the music world. I've taught the same "wisdom" about voice leading, what it is and why we like to use it, to both AP music theory students in high school as well as middle school band students learning to improvise. You can bet I change my analogies and vernacular to match their knowledge, but they've both been exposed to the concept and have some core vocabulary to research it further if they like.