A lot of people simply can't be bothered if things look too complex. A lot of my friends and relatives are fine with their PCs, until there's a problem, or something happens that they don't understand. Then they either panic and call me, or click Yes / No buttons without really understanding what they are being asked (it must be OK because the box went away). Some people I know have had their PC for years, but have never purchased anything online, and would certainly never entertain the idea of online banking, because of fear from lack of understanding, and a can't be arsed mentality when it comes to learning anything new.