Being educated isn't really representative of Hacker News. There are very clear dynamics here where being more knowledgeable makes the discussions irrelevant.
There are generally two ways of doing hard things. Either you are knowledgeable enough to be aware of the challenges and work around, or overcome, them. Or you are unaware, or shameless, enough to do it anyway. The later is much easier than the former. (Then you also have those who believe they could do something but never does because they can't). (Also not entirely mutually exclusive).
Sometimes this is a feature of education, but most of the time it is just a feature of ignorance. Being educated doesn't also prevent you from being ignorant. It is very much expected that most willing to do something hard are smart enough to do it, but not smart enough to do it well. Unless it's been made easier, but then it is no longer as hard.
It is also perception. Knowing both software and hardware would make you a technologist, or when talking about hardware someone who knows hardware but also knows software. Not knowing hardware but talking about it would more likely make you perceived as someone who knows software. And going back to the beginning, it is easier to think you know software than to actually know it.