As it turns out, it takes a little more than raising a generation with computers to teach them how to be tech literate. In addition to raising them with computers, you also have to not coddle your userbase. A whole generation raised on limewire and installing programs from random websites, learning that softonic is synonymous with virus, and how to read the extension of a file name to make sure it is a music file and not an executable (Despacito.mp4.exe would run as an executable, not play "Despacito") and that certain files should have a certain file size and you can even predict without doing any math, just pure experience of seeing what file sizes normally are about what size a video or audio file of certain quality (1080p? 720p?) and length should be and if its too large, its probably a virus (or its one of those cool files where you change the extension of an image file and it has a song in it when changed to mp3) Again, looking at extensions (and file hashes) helps here.
So what does gen Z have instead? The Apple/Google play store generation
Oh the google play store. The place where you can install anything and you know its going to be safe (except for when it isn't: 36 Malicious Android Apps Found on Google Play, Did You Install Them? but of course that's just silly old android and silly old android problems.
Everyone knows Apple is so much better. How 18 Malware Apps Snuck Into Apple's App Store
Nonetheless, perception is reality and the feeling that the app store is safe is enough for people to let their guards down. The deeper problem though, is that this paternalism, keeps freedom away and free market competition at bay. Apple Rejects Bitcoin Wallet Zeus a Day After Threatening to Delist Damus
But hey, maybe we're just talking about a generation that doesn't have experience with taxes so they don't know the IRS doesn't call your personal number. Maybe this generation is just in the hardening phase. Maybe this is where they learn all of their lessons and when they're older these statistics will look much different....I'm holding out hope, because its that same process, being exposed to scams and learning from them, that will enable this generation and the ones that come after them, to use Bitcoin without being scammed too.