15 years ago I'd have agreed with you. However we've managed to make almost everything about life, happen on the Internet. Not just the "fun" things, but identification (and verification thereof), communication, payment, bureaucracy, hell even medicine in many ways.

We cannot lull ourselves into this idea of "technopia" where everyone - 100% of everyone - is acutely aware of privacy risks and proper security and safety posture on the internet. That will never happen, and only puts disadvantaged individuals at risk - especially since we've effectively forced them to use a system they're not capable of operating safely.