For pretty much any political issue the people caring are a minority (on each side) with middle being populated with people who don't care or don't know what's going on.

Those people on the sides that do care then shape the debate and ultimately the outcome of pretty much any democratic decision (as little as those are still left).

i think people are incentivized not to care, which is subtly different but far more pernicious.

Even look at public wifi. Most non-tech savvy people I know really have no problem using piblic wifi to conduct business and login into important accounts.

They want the path of least resistance, which isn‘t good for security or privacy.