fwiw, in my industry, I should not assume anything about technical literacy. We’ve had honest debates over whether we can even rely on people to have an email address.

Again, it’s not that I disagree with most of your premise, but in fact, as the comments (not just mine) show - people have issues with submitting too early, so it can be a good decision to break that depending on context. Fewer errors. Which is why I brought up how the problem is presented to the candidate. You might be filtering out people based on something less universally accepted and understood than you think.