"I have trouble believing that someone can be literate yet" Several things here: 1) Perfectly literate people can be computer illiterate for many reasons. Tha

"I have trouble believing that someone can be literate yet" Several things here: 1) Perfectly literate people can be computer illiterate for many reasons. That you have trouble accepting this doesn't make it not true. 2) Some people aren't literate or are only semi-literate. Many years ago I worked at a bank for about a year, and the bank served a lot of farmers - some of whom had not complete their education and were functionally illiterate. Some of those folks are probably still alive and no more literate than they were then. 3) Some people are perfectly literate in one language, but not fluent in English and user education materials are not available in their language(s). "It shouldn't be up to these users anyway" Users are why banks and any business exists, not the other way around. "most people will figure it out just find once they don't have a choice." Most isn't all. Not even close. I find the willingness to abandon large swathes of the population really inhumane.