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The Distribution of Users’ Computer Skills: Worse Than You Think (2016)
(www.nngroup.com)
This is a most excellent place for technology news and articles.
Managing digital information today is a horrible mess of silos and big business driven incompatibilities. It often drives people to use PDFs, as there is nothing appropriate. Blame the software/businesses, not the victims/users.
I mostly agree with you. But it only works because users give in. They deserve some of the blame.