You've got that right! I had to help some people at work, they didn't know how to format text in Excel; they wanted to change the font and make the cell backgrounds light blue.
I should have known it would happen, they were stumped by the hard drive lock on the laptop before they even started using it. I showed them it wasn't their network password it was a different password and got "but this says it's the password" referring to a Post-It note with someone's network password and username on it, a manager's! I brought up it wasn't good to have that written down, a security risk, but was told by the manager it was OK. I gave up :(
Good passwords are hard to remember. Good password discipline uses lots of good passwords. This is harder to remember. Sticking a password file in your wallet is not a bad idea. People know to keep their wallets secure. They understand how they work, and how they need to protect them.
I wish they made US paper currency > $100. The €500 would be a better example.
The give aways that this is a troll: "Users aren't stupid. They just have better shit to do than learn C++ programming or tinker around with FreeBSD.". How is this relevant. My wife, my daughter, my father and my daughter's former pre-school principal all use Linux. None know what C++ is, only my father has more than a very vague idea ("its something they use to make programs") of what a programming language is.
"How do I PivotTable in OpenOffice?": The average user does not use pivot tables, or Visual Basic for Applications. In the average working environment only "the guy who knows about computers" (there is usually one per department) uses the "advanced" stuff.
"To the average user, the computer is a means to an end.". We knew that, but it does not automatically follow that they will always regard Windows as the best means to the end. People pay a premium for Macs that are more different from Windows than the default Gnome or KDE configs are.