Anyone that has a mental model that includes what ATMs do. The point is that most people don't use ADB and therefore don't have that mental model. Many people have used an ATM, so if an article talked about someone stealing cards/pins on an ATM, most people would know what it meant. There are certain abbreviations that are so commonplace it may be safe to assume people know what they mean, even if they do not know what they stand for.

ADB is not one of those. This is the point, and this is the thing that anyone who is arguing against that point fails to recognize. It's myopia, or self-centered thinking. It leads to bad things in our industry (poor UX being one of them) and I'd encourage anyone thinking this way to consider what "empathy" means and how it is applicable to our field.