This is a key insight. It's why I hate when we refer to "non-technical people" -- I don't believe possessing the technical skills is a meaningful differentiator

This is a key insight. It's why I hate when we refer to "non-technical people" -- I don't believe possessing the technical skills is a meaningful differentiator in users. The more important categories are those you mention; the non-fearers will eventually figure out a solution, becoming technical along the way if required. The fearful stop trying to do that.