The idea that average people can't handle incremental improvements like a password manager, MFA, full disk encryption, etc is unhealthy infantilization of people who are entirely capable of understanding the concepts, the benefits, the risks they address, and appreciating the benefits of them.
Most people just don't care enough until after they're hacked, at which point they care just enough to wish they'd done something more previously, which is just shy of enough to start doing something differently going forward.
It's not that normies are too stupid figure this out, it's that they make risk accept decisions on risks they don't thoroughly understand or care enough about to want to understand. My personal observation is that the concept of even thinking about potential future technology risks at all (let alone considering changing behavior to mitigate those risks) seems to represent an almost an almost pathological level of proactive preparation to normies, the same way that preppers building bunkers with years of food and water storage look to the rest of us.
I do understand the concepts and exactly because of that I doubt I myself would be able of airtight opsec against any determined adversary, not even state-level one. I think it's humility, you think I infantilize myself lol.
I do use password manager and disk encryption, just for case of theft. Still feels like one stupid sleepy misclick away from losing stuff and no amount of MFAs or whatever is going to save me, they actually feel like added complexity which leads to mistakes.
Most people just don't care enough until after they're hacked, at which point they care just enough to wish they'd done something more previously, which is just shy of enough to start doing something differently going forward.
It's not that normies are too stupid figure this out, it's that they make risk accept decisions on risks they don't thoroughly understand or care enough about to want to understand. My personal observation is that the concept of even thinking about potential future technology risks at all (let alone considering changing behavior to mitigate those risks) seems to represent an almost an almost pathological level of proactive preparation to normies, the same way that preppers building bunkers with years of food and water storage look to the rest of us.