And there are many who just haven't a clue. My MIL has starting using internet banking. It's scary. She wouldn't recognize a phishing email if it stank like a kipper. She would trust anyone who offered to help her. We're sending her to internet security bootcamp when she comes over in a few weeks. it's going to be like teaching the children about stranger danger. I sent my dad some sensitive information by email (coded and split into two), he reassured me that he had got the information and "destroyed the emails"
12% is a pretty small figure when you think about it. It's like when mass production cars became available and people learned to drive from the manual.