>>> A beginner would use them, trusting they are infinitely capable and precise, which can lead to problems. An intermediate programmer knows that they have some limitations, and so by using some good practices the problems can be avoided.

Amusingly, pocket calculators became affordable while I was in high school, and anybody who was interested in math learned the foibles of floating point almost instantly. Now it's an advanced topic. A difference may have been that our calculators had very few significant digits, so the errors introduced by successive calculations became noticeable more quickly. Also, you had to think about what you were doing because, even if you trusted the calculator, you didn't trust your fingers.

Modern pocket calculators now use some very fancy math that makes them have much less error than if they used floating point. Many of them will use arbitrary-precision arithmetic at minimum, and there are some fancier schemes.