Well, I would partially agree: people should make an effort to educate themselves about online security, but tbf, you don't know what you don't know.
I have been using Windows computers since my mid 20s, long time ago, a normie. Just last year, 2024 I had a massive boost in computing, that including backing up practice and trying Linux for the first time. We, who have a better understanding of computers and cyber security, we are privileged and no longer appreciate the blissful ignorance of average folks who didn't come this far. That reminds me our university teacher, telling us at the beginning, that over time we will gain knowledge way above knowledge of everyday folks, and we won't notice this difference, taking our knowledge for granted and having difficulties to comprehend why not everybody knows this. I often remind this to myself.
Industry comes into this to protects itself, making the users not to need caring about stuff, because the majority won't. And so even the MS is turning into a nanny, limiting average users in many ways, telling them what to do or doing it for them out of the box, limiting them in doing other things, like the S mode. Schools don't teach other practical things for life, like finances, practical skills to fix things, critical thinking is in a short supply, and so looks computer awareness of average folks. Apps on mobile devices are highly restrictive (turning users to mere consumers of content) and I refuse to go on a fakebook or youtube via an app. Always a browser where I have a better control over things.