The defining feature of books is that you can read them, and books are useful because they have that property. You are literate if and only if you can read a book, regardless of whether you are reading a book at the moment.
The defining feature of computers is that they are arbitrarily programmable machines, and computers are useful because they have that property. You are computer-literate if and only if you can program a computer, regardless of whether you are programming a computer at the moment.
You are literate if you can read an arbitrarily chosen book. You are an author if you can write a book. Similarly, you are computer-literate if you can accomplish tasks in an arbitrarily chosen program and maintain a system. You are a computer-author if you can write a program.
We use literacy to describe understanding, not creation. What you're claiming is the equivalent of saying that modern generations can't be book-literate unless they're writing fan-fiction.
I would argue tech-literacy means understanding the common language of tech/UX today and being able to use common technology. Someone is tech-literate if they can "read" technology and are comfortable with common interface conventions, terminology, system maintenance, etc... Anyone who sets up a streaming platform using OBS, who manages a community using admin tools on tech platforms, who figures out how to tune games that they're playing to accommodate recording without dropping frames or de-syncing audio, who sets up microphones and figures out how to balance audio using mixers, who edits the result and uploads it to Youtube -- they would fall very squarely into that category of literacy. They clearly know how to "read" software, even complicated programs like video editing tools.
Whereas a computer can do many different things. Yes, it's because it's an arbitrarily programmable machine but if I choose to use software written by others rather than programming it myself I'm not sure why that's a lower use.
In fact, I can program but rarely do so. Usually I'm using a computer to do tasks like writing, working on photos, etc. My day to day use is sort of irrelevant to the fact that I can do some programming. So I guess I'm not computer-literate.
Does this mean that my laptop undergoes some sort of miraculous transformation when I type :wq and open my browser?
What if I'm watching video in the background while coding - does my laptop then enter some superposition-state?