I am not at all claiming that all people above a certain age have difficulty with these things! Though it is usually people above, say, 40 who feel this way — and this is not a negative thing: it may well be just because they remember that a different way existed. I.e. most people with tech difficulties are older, but many older people have no tech difficulties.

Though you are also correct that dealing with "technology" today requires a certain level of pain tolerance. Good UX exists but is rare, and authentication is still a mess basically everywhere if you don't want to do OAuth and centralise it to the behemoths. "Poweruser apps" can be extremely empowering, but always have a steep learning curve, sometimes very steep; they can help making your dayjob much easier, but typically help nought with, say, filing your taxes or paying your bills.

Disclaimer: am 25 years old.