don’t even know enough to care in the first place.

but ultimately it’s the user who decides to use the service, and how to use it.

So you admit they don’t have access to the knowledge needed to make better choices for their digital security. Then immediately blame them. I think your bias from the point of view of a one that is already more informed on this sort of thing. If they don’t know they need to know more, how can they be expected to do any research? There’s only so much time in a day so you can’t expect people to learn “enough” about literally everything.