This is unfortunately the reality.
The other day a friend asked me to help her make her phone safer for her kids to use. I started by asking if she set permissions on the apps she downloaded. She looked at me blankly, "What permissions?". I proceeded to show her how you can granularly control what you allow each app to do on your phone and what access it is allowed. Her head blew up, she had no idea any of this existed and after gong through a few menus, she didn't care any more. It was all too complicated and too much to think about for a busy mum.
This is why governments unfortunately are having to try to protect people from themselves. As tech competent people it all seems so simple to us, but we need to remember the majority of the population just click 'Allow All' and blow past all permission and security questions as they have no idea what any of it means.
I haven't set up an Android in a while, but, I doubt it's massively different.