I get the point of the OP. I'm not at all tech-savvy but still have some BTC, just enough to take advantage of a sudden move up but I would never put a lot in to it.
It can definitely be seen as unfair as someone who knows everything about how BTC works is at an advantage to those who don't. I still find it complicated but most of I have absolutely no interest in 'how' it works, I will always prefer physical wealth to BTC, ALWAYS!
I think the point of the OP is that people who are tech savvy can easily figure out how bitcoin works and can use it effectively. On the other hand someone who is not tech savvy would have a greater chance of falling for a scam or otherwise potentially loosing their bitcoin as they may not fully understand how it works.