I first programmed a computer in 1966, for the MoD. I was 18. I taught myself to program the BBC B and Acorn Electron in about 1986, when the kids were young. I bought my first desktop in 1993, taught myself to use Office and used it to do the accounts when I had Probate for my mother's estate. In the late 1990s I did an NVQ in IT. I played with the early internet, Compuserve and AOL, finally moving to Virgin using a 7k modem and a telephone line with my state of the art Windows 3.1 AST computer. It even had a CDROM. In the late 1990s, when I "returned to Work" after 18 years of raising children I got a job and taught my boss to use his newly installed work computer. At home I had XP, a printer, a scanner, a gadget to transfer VHS to digital, I digitised my favourite music, and colourised B&W photos. So, I am not tech shy.
BUT
now I have a laptop (which I dislike) and only a laptop. No printer, no scanner, no smartphone, no tablet. I have an old kindle my daughter gave me but have only used it for novellas unavailable in print. I prefer books.
As for the gadgets, I can't be bothered.
I will NOT do online banking and certainly not on an easily stolen mobile. I very rarely shop online and then only on certain sites. After experimenting with online groceries and clothing I decided visiting the supermarket and clothes shops was preferable for getting what I wanted. I'll use the internet to find what I want (usually to do with gardening now) and do the transaction by phone if possible.
My sister (80) in Canada can't use a computer and has no wish to learn even since her tech savvy husband died. Not having an email facility, she only hears from me once or twice a year, by 'phone. At least she answers it now. She never used to. I had to ring when her DH was in.
What will happen if/when we have another "Carrington Event" (1859)? We have made ourselves so reliant on computers that society will fall apart. We won't even have drinking water because the pumping stations are computerised.