Earlier quoted context omitted.
While I agree that we should do everything we can to be user-friendly and not allow what I'm about to suggest to take the form of "elitism", I think we underplay the importance of helping the user understand the system. I think your typical user should understand SSL before they do online banking and shared libraries before they let their work rely entirely on their computer, in the same sense that I think you should…
We have abstraction layers precisely so that you can use things without understanding them. It's not just computers, every day we use all kinds of technology without properly knowing how it works. Of course, sometimes those abstractions are leaky, and we have to change a tire or apply an update. But suggesting that typical users should read up on SSL (and therefore asymmetric cryptography) before they use online bank…
I agree that learning about SSL is probably overkill; but we do need more computer literacy among the general population. Think of it like this: finance is something that is hard, yet people learn about the basics so that they can keep their money safe. Basic computer literacy should have a similar status as a skill that is required to, say, keep your information safe.