One leads to the other; if said older people would be less afraid to experiment, they'd learn things as quickly and they'd too become proficient.
Anectdotal example: On one hand I sometimes get almost mad when I try to help my parents with computer problems (especially via phone) because they didn't even bothered with randomly trying somewhat problem-related buttons or options.[0] They just get paralyzed (by the fear they could break something) because something happens what isn't routine, even if the solution could be found within minutes even by non tech people.
On the other hand I'm glad about the same behaviour when they call me to ask if some mail or website is legitimate or not. About half of the calls are false positive scam suspicions, but I'm happy looking into them, as long it helps them not getting scammed.