Yes, and that's IMO perfectly understandable. What was that greeting card text? "A clean apartment is a sign of a wasted life."
Not from the US, we didn't have "balancing the checkbook" over here, but watching my parents and grandparents, and trying to mimic them growing up, I have a distinct impression that all that bookkeeping - from budgeting to gas refills to blood pressure measuerments (which my grandfather did diligently in his final decade of life) - was done as much of immediate necessity as it was of habit.
People did their book-keeping by hand because there was no external authoritative source to track it for them, but also because they needed to know - there were consequences for not knowing some numbers or their history on-demand. As soon as either becomes false, people stop. Very few people I know "keep books" for their individual spending - and it's not because auto-pay, it's because the bank gives you that information for free, effortlessly, in near real-time. The bank is now the authoritative source of how much money you have.
(That's the "external authoritative source". Auto-pay is a masssive QoL improver, but it's a consequence, not cause. The cause here is achieving "not really needing to know" by keeping your earnings higher than spendings. Then you literally don't need to care about money day-to-day, and only check balance when you're planning larger purchases - and only then, manually paying bills becomes "a sign of a wasted life".)
> A lot of Zoomer computer users don't even know what files and folders are, they just use apps, which take them straight to what they want to do and don't offer things like possession of your own data.
That's a problem - but zooming out a bit, back to "bookmarks", the problem is that sometimes you need to do some book-keeping yourself - you may have your own reasons to need to know, and there is no authority other than you. Unfortunately, it turns out, modern software is then useless, because it doesn't stop at not requiring users to keep things tidy - it purposefully doesn't ship the necessary tools and affordances to keep things tidy.