Absolutely spot on.
I spend a lot of my downtime counselling my family young and old on internet security, scams, spam etc. My 69 old Dad I am proud to say is pretty savvy after years of advice, I am not convinced my 11 year old niece and 14 year old nephew are anywhere near so clued up despite being more tech savvy.
The sad reality is naivety is not confined to the young or the old. I have began to realise that as clued up as I think I am, things are constantly evolving and I could be caught out too. As we adapt, the low life types adapt too. After all most of the damaging stuff is about social engineering not about the tech.
The law is at least starting to react strongly to these undesirable behaviours, and the sooner the message sinks in that just because its on the internet, doesn't mean it's anonymous sinks in, the better.
Back when I got my 1st 14.4k modem the apparent anonymity made some people behave differently in a way they wouldnt in life. It's not a new problem but with the internet as big as it is now, its a growing audience and seems to be getting more damaging in it's manifestations.