I think the gap stems from need. Most people only learn what they absolutely need to. My sister and I are just 3 years apart in age. Yet I am pretty familiar with tech, while she knows next to nothing. I was always there to fix whatever broke. Even now she knows that if she needs to watch something, she can just ask me to add it to my Jellyfin server. I often have to remote into her system to fix stuff.

The Gen Z we're talking about here mostly grew up using phones, and phone OSes do their best to hide any complexity away from the user. So they never learnt anything. I'm also technically Gen Z (very early), but growing up in rural India, I had to teach myself how to pirate since streaming wasn't a thing yet (our internet was too slow for that anyway), and the local theater didn't play anything except local mainstream cinema.