this is just the tech-person habit of assuming that users are less informed than they are. go ask an "everyday user" how much they think instagram tracks them. i think you'll be surprised at what their assumptions are. most people i know (including my extremely non-tech-savvy parents) understand that "the algorithm" knows everything they do on the computer, and that's how both ads and content get targeted to them. they don't necessarily understand that amazon, facebook, and google are different algorithms, or even different companies, but they know that there is an algorithm, and that it's train-able from their usage.

a huge number of people think their ads are targeted based on their phone microphone always listening to them. and they don't change any habits as a result of that assumption.