Growing up I had a "computing" class in high school. It's where I learned to type, but also learned the basics of using both macOS(9 at the time) and Windows.

It was also drilled into me that the default state of anything on the internet is to be untrusted and potentially harmful.

It also helped that you could actually tinker with things, and there were plenty of foot guns around to drill that lesson home.

Somewhere along the way that message got lost and didn't get communicated to the young ones, and I'm not even that old (38).