I would rathet like to know what the "financial skills" are that you mean
and one does not need deep tech knowledge to do fine either,
a lot of people dont need to use the terminal ever for example,
most tech is build in a way that it tries to protect the user from these issues anyway.
one should be aware of fishing tho ofc and generally about how the data collection works, but for the second thing a rough "they always know what you are doing online" is enough