Won't somebody think of the non-geeks?
I have a friend with Down's Syndrome, who nevertheless makes quite a bit of use of computers (even though se can neither read or write).
Recently she was visiting relatives who had an iPad, took to it, and was bought one.
In order toget the apps she needed (games, iPlayer etc.) it was programmed with the same Apple Id as her relative.
All was well until the relative found that documents she had created on her ipad were vanishing. And this is where the low level of understanding behind computing is causing problems.
You write your document on the ipad. It is automatically (and by default) synchronised with the cloud. Your Downs relative starts up their ipad later, and, being the same account, it synchonises and downloads the document. Relative looks at this, doesn't know what it is, so deletes it. The deletion is then (automatically) done on the cloud, and this is finally synchonised the the original ipad.
The reason that this happens is that the users had no idea that the cloud synchronisation was happening - it was built in - and no idea how to get out of the situation.
Now one can see how easily things can go wrong with iot leaving open security holes, default passwords, whatever, that the users will know nothing about. How many people have a password on their smartphone? How many would put a password on their door opening app?