[benj111]

We generalise about non technical users all the time. Why is it unfair to generalise a subset of those users? What you term 'projecting' is my own experience, where I am supporting backing the experience of someone else. Yes we may be wrong, the op hasn't clarified as far as I'm aware, but I don't think that invalidates the greater point.

How should I engage with young children? Should I talk to a 2 year old like an adult? Or should I use my experience other 2 year old to inform how I should engage with other 2 year olds?

Older people can be surprisingly tech illiterate to a degree many would be surprised by. That is my experience, that is others experience. Yes there will be exceptions. But I don't think that invalidates the generalisation.

Personally I would hope that people would make an extra effort to educate those needing extra help in spotting potential fraud, rather than doing nothing to avoid 'projecting'.