Not necessarily. It's often just bad design/poor systems.
My entire business is online, various systems for OCR of paper documents which automatically populate data into databases, VOIP phones and mailboxes, and at home we have Alexa, Ring doorbells, "smart" lighting etc. and I do most things via apps, etc. (ie banking, online shopping, NHS app etc), so I'd say I was pretty technologically literate. But to get there, I've had to trial A LOT of software packages and rejected most of them for not being user friendly, i.e. too restricting as to entering dates (i.e. insisting on xx/xx/xxxx when we don't need the xxxx for another 70 odd years and xx/xx/xx would do - ! or having to click and scroll dates instead of just being able to type it in - may not seem a big deal but if you're entering hundreds/thousands of dates, the time adds up ).
But our central heating control is a sodding nightmare. Completely not user-intuitive, instruction booklet useless, loads of people online asking how the hell you change anything. It's like some throwback from the 70s with software written by a lunatic, but boiler is only 3 years old. I hate the damn thing. It doesn't show the days, just numbers from 1 to 7 so you have to guess what day 1 is. There is no menu system on the screen, you have to press different buttons in different orders to get to the screen you want (unhelpfully not correct in the instruction leaflet), so it's basically just a matter of pressing random buttons in random orders to get to the screen where you actually set the times! Not only that, but the whole thing is tiny (apparently it's because it's to fit in the space of the manual rotary timer) so you literally need a magnifying glass to see the writing and signs on the screen (made worse because they're also tiny so most of the screen is actually blank!). We've found a heating engineer who will replace the timer with a "proper" box fitted to the wall next to it - he was on our wavelength and knew exactly what we were talking - said he's changed dozens of them to ones that are actually useable.
Same with a lot of online forms etc - they're simply badly designed, badly programmed, etc. Like the ones where there simply aren't enough characters if your name or address line is "too long", or where the form doesn't accept you don't have a middle name and makes you type in "none" rather than allowing you leave it blank, meaning you then get a contract or letter with your name John None Smith!
I'm sure, for some, it's an age thing, but for lots of the common issues, it's just down to not being designed and tested properly!