Let me start by saying that I absolutely agree with you - it's a dumb insult now and always has been.
That said, anecdotally, my grandmother recently passed away having never used a computer in her life. Never sent an email, googled anything, or had a Facebook account. She was in her 90s and simply never had to use one. I often wondered what that life was like in 2019, but she had nothing to compare it to and thus couldn't really share. All that is to say, there really are both ends of the spectrum out there.
That said, anecdotally, my grandmother recently passed away having never used a computer in her life. Never sent an email, googled anything, or had a Facebook account. She was in her 90s and simply never had to use one. I often wondered what that life was like in 2019, but she had nothing to compare it to and thus couldn't really share. All that is to say, there really are both ends of the spectrum out there.