I'd argue it's the government's fault. In the computer-age government's failed to educate their populations on what and how to use computers. They instead taught their students how to use X, Y and Z software. Ignorance here is the root of the problem. A symptom of ignorance could be stupidity I suppose... but users are lazy too. Governments also failed to regulate the nascent software-industries whilst pouring billions into that market. It's too harsh to just criticize the individual.

There's that saying... Can't fix stupid