Bad Technology, not Uneducated Users
When I was learning how to design consumer technologies in financial services, the mantra of our founder was there's no bad customers, but badly designed technology -- or words to that effect. We had to make it easier and easier to use.
When I taught human factors, I would tell my students -- if you arrive at a door, and you don't know whether to push it or pull the handle, it's a badly designed door. You are not at fault. We had several discussions about where hinges go and what makes them a visible clue.
That's what made the GUI interface a triumph for Apple, while MS-DOS was still delivering ASCII interfaces until Win 95. Another thing the first MAC did - the 3.5 inch floppy could only go int he slot one way -- the right way. Unlike the 5 1/4 floppy, which could (and did) go in at least 2 wrong ways.
So it is disheartening (to say the least) for a technology leader to state:
>> The Autopilot software feature, launched in October as a beta, requires driver activation to kick in, but has a fair number of Tesla owners baffled about how to use it, according to Musk.
So he thinks they need more education.
Users are, well, not that smart, right?
You can argue degress of difficulty in driving a car to getting an online loan, but in the end, the technologist has to make it right for the end user.