Why should this be any different with computers? The risk that you pose to others is pretty low, so there shouldn't be any requirement to have a "license". But I wouldn't call it arrogance, if I'll assume that someone using the network has a minimum knowledge about how things work.
Only to a point. I own a car and am perfectly competent to use it, but I have only the vaguest of understanding as to what things like spark plugs and catalytic converters do. I know what a manifold is in mathematics, and I suppose it's a bit similar in a car engine. I deem myself knowledgeable to open the bonnet and add windshield wiper fluid when that's low, but anything more complicated I'll take to a mechanic.
> If you're using it without learning how it works, it's your own fault, if you have an accident.
It's my fault if I drive without, say, learning how to operate the brake pedal, or learning how to turn on the turn signal. But if the accident is due to something wrong with the internals that I know very little about? I don't think any reasonable person believes that getting licensed to drive should require one to have the knowledge of an automobile mechanic.