I most definitely agree regarding older folks. Unless you have a very good feel for the digital environment, consider everything harmful, and all emails you don't expect, know the sender for (or where the sender behaves atypically) to be malicious. It's a touch lesson to teach, much like stranger danger for kids, and it's going to become more and more important the more stuff moves online. When you're required to file your taxes via a website, you're much easier to attack than when you took a bunch of forms, completed them and then mailed them to the government (or, if you're late, go and put them in their mailbox). Plus the general inconvenience of good security ("why can't I use the same password?"), fun times lie ahead.