> basic tech literacy should be taught in schools
You're blaming the victim.
Technology is too complex and continues changing too fast. I'm a software engineer and I couldn't tell you what half the processes on my machine are supposed to be doing, and even if I did that wouldn't help spot even a trivial piece of malware.
Last time I attended school, smartphones didn't even exist yet. That's fair; sometimes there's a fundamental shift in how we do things. But meanwhile Google alone launched and killed how many chat/video call apps? Unfortunately you have to keep installing these every now and then, because that's somehow still an unsolved problem.
Security is simplicity, if a system is complex then it's easy to confuse the user into doing the insecure thing.