Hence the reason to start early, start with easy things, build up confidence and skills, etc over several years, go with the flow, rather than stick your fingers in your ears chanting la-la-la and ignoring tech until you have to use it, 10/20 years later, when it's a real struggle and instead of small changes, you end up having to undertake major changes in one go.
My mother was using debit/credit cards in the 80s, did telephone banking in the 90s, got her first mobile and laptop in the 00s and using the internet around a decade ago for shopping etc. She was born in 1924! So she was in her 70s when doing telephone banking and 80s using a mobile phone, and 90s doing internet and online shopping! When we bought our first computer in 1980 (Sinclair ZX80, she was 56!) she was as keen as we were to learn how to program it, play games, etc. As soon as "holes in the wall" appeared, she started using them rather than getting cash over the counter, etc. Basically, even in her later years, she just did the "little and often" approach to tech. She was happily using apps in her 90s! Fair enough, she still had her marbles and wasn't struck down with dementia, but she just kept up with things and happy to change her ways and do things differently, with minimal help. If she'd had left us alone with the ZX80, ignored cash machines, etc back in the 80s, she probably wouldn't have moved onto telephone banking, computing/internet etc quite so easily in later years.
Technology IS happening, whether we like it or not, so you need to adapt, embrace it, etc., at your earliest years, whilst you have mental capacity to adapt and learn new skills etc. It's inevitable, so why fight it? You're only going to harm yourself when you get left behind.