My take based on aging parents:
+ Physical accommodations are practical and available via the accessibility features of most modern desktop and mobile operating systems.
+ Cognitively, there's not much that can be done because the impediments are largely recent conventions [e.g. the hamburger menu] and a lifetime of habits [e.g. using the telephone to contact customer support].
+ Culturally, healthcare, legal services, banking, etc. are not converging on a single set of standards. This means systems are unfamiliar and older people recognize their high probability for mistakes using them. So they stick to what the know is likely to reduce risk. E.g. paying bills by physical checks in envelopes.
All of that is ok as far as I'm concerned.
Good luck.
