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The Distribution of Users’ Computer Skills: Worse Than You Think (2016)
(www.nngroup.com)
This is a most excellent place for technology news and articles.
I teach math to undergrads, and damn it's sad. They don't know how to send a PDF file from their phone to laptop, and upload it to Canvas. One guy ended up emailing it to me. They don't even know what a folder/directory is.
Managing digital information today is a horrible mess of silos and big business driven incompatibilities. It often drives people to use PDFs, as there is nothing appropriate. Blame the software/businesses, not the victims/users.
I mostly agree with you. But it only works because users give in. They deserve some of the blame.