You confirm my observation as well. Even motel chains have developers building internal tools these days

Yes computer savvyness is on the rise, and have been for decades, and this will continue. But there are many levels: Ability to be a competent user, and competent buyer, ability to build it themselves. Then there are big difference in buy vs build culture. And preferences for type of solutions that are default buy vs default build. And finally, smaller and medium sized organizations are less likely to have internal teams. All this should be analyzed for the specific market, product and customer segment one targets.