@ Pete 2 - Re: Risk assessment
Wrote :- "Alternatively, maybe the oldies just run Linux?"
Yes, I just run Linux.
One reason oldies are more careful is that, believe it or not, they were more hard up when young than the present younger generation is. Credit cards did not exist either, except American Express for the very rich. My daughter "has no money" but nevertheless would not dream of buying a second hand car or not getting the garage to do any work on it. A new car would have been unthinkable to most 20-30yo's before c1990.
Every time my daughter moves between flats (often) she leaves half her stuff behind because she can't be bothered with the hassle (clothes, cameras, cooking stuff). OTOH I still have some crockery that I know my *grandfather* bought second-hand when he first left home - it is quality stuff, tough, never chips, and has survived while newer crockery has come, broken and gone.
Things used to be of better quality, and correspondingly more expensive, although they had less frills. Furniture was solid wood, not chipboard crap. Buying a torch for example took a much greater % of your wage than today, it would have been an event, but it would have had "Made in Britain" proudly on it and if it failed in about the first year you would have taken it back to the shop, who would have been most anxious to deal with it to preserve their and the brand reputation. (I daily use a torch my father bought in 1960). Today, the younger generation will just toss something that does not work, even on the day they bought it (looking at my daughter again).
I have always been careful, even when young, and have never had anything stolen in my life; it's just my nature.
OTOH I do not insure anything except the car - don't want to subsidise all those careless people out there.