Yes, actually. Downloading apps, making an account, logging in, and using an app are all things they have done before. Opening up Notepad on their computer (if they have one) and saving a text file then navigating back to it later and opening that file is something they probably have never done before.
Coming from someone who worked tech support for some time:
There are lots of people with no grasp of basic computing concepts working office jobs in which they sit at a computer all day. Some even highly educated and specialized. lawyers, managers, marketing consultants, insurance salespeople... young and old.
They can use Word, and Outlook, and Chrome, and phone apps, but the concept of a file or folder, or utilizing files and folders to organize information, are alien to some. Doesn't help that some (especially mobile) OS's do a lot to obscure that layer from people, and people can often get by with rigid workflows or by calling tech support a lot.
Not judging them. Well at least the ones who were nice to me. I don't know how to change my oil. I mean none of the people I'm thinking of did either. But I don't know how to do whatever lawyer managers do all day(meetings?).
I realize there is some self selection in who calls tech support every day, so having worked tech support might have skewed my perception of the average office worker.
Did a stint in tech support, and had a fucking lawyer call me because his brand new laptop wouldn't turn on. The charging cable was sealed in the original plastic bag.
It seems some people are just completely unable to form reasonable thought-chains when it comes to technology.