The people I know who think of themselves as "bad with computers" are generally worried that they are going to destroy hardware, software, or data files if they make a mistake. They know enough to know that, in the abstract, they really can do severe damage with a few button pushes, but they don't know precisely where the danger areas lie. It's an area in which people have a strong incentive to pretend to know very little so they can more easily convince knowledgeable friends and relatives to help them.

My mother is one such person, and one thing that has helped her a lot was for me to set up an admin account on her laptop and to explain how she should always use her non-admin account, but the admin account would pop up when she needs those privileges. It's a flag for her that, if she doesn't get asked for her admin password, the most harm she can do is delete files, and even those might be recoverable.