'' I'm in in my late 50s now and it's becoming super hard to stay up with tech, ''
almost literally no one stays up with technology
young people keep 'somewhat' up with technology that suits their lifestyle ------- ditto for older folk
it really came home to me in Asia with European travellers - young ones - they taught me tricks - but, I taught them tricks - which both of us found highly valuable --------- because we come at things from a different need base - and only when one crosspollinates ideas does one get exposed to hacks and the like that one didn't know was out there
as to institutions and charging of fees - in Oz - I really don't know why people bother all that much with the big 4