Literacy is actually a good analogy. People have different reading abilities, but they're all under the umbrella of literacy.
Some people are illiterate, some people can read simple documents but struggle with higher complexity texts and contracts, and some people can breeze through high complexity texts. In the same way, some people struggle with computers, some are able to understand Excel spreadsheets, some are able to understand business logic expressed in a domain specific language, and some are able to read complex programs.
The latter requires understanding of computers, problem solving, domains, etc. Just like I can't pick up a book about organic chemistry and understand it, people are not going to some day care to know about how distributed systems algorithms work.
It is indeed a skilled craft and this weird, cyberpunk-ian idea that everyone will just converge on technical literacy is very hand wavey and ignores simple facts like some people just not having ANY interest in computers or tech.