I thought the 'typical person' train has sailed a hundred years ago. You either take time to learn the fundamentals (in this instance, the fact that m$, crapple, etc. are all enemies) or you get exploited.

Notice that linux is not safe from that trend as well: you have to learn tech stuff to operate it in any capacity.

So there's no free lunch in this world, that much is obvious. I don't see where 'typical person' can reasonably survive intact in this tech climate so I also see no reason to bring them up.