> Its a disservice to keep telling people that they are too stupid to understand something

That's not the point. Specialization - developing a deep understanding requires time and effort. As a developer choosing a way to store passwords securely is one task out of 1,000 I'm responsible for. So I acquire a general understanding of cryptography to make a decision - but that decision relies heavily on experts and consensus. The worst thing I can do as a developer is to go down the rabbit hole of cryptography and spend 10 hours researching an optimal password hashing scheme for my app. Sure, I've begun the journey of having a deep understanding of crypto - but I still have 999 things to do!

Which reminds me I need to get off HN and get some work done .....