Were in the age of "gotta ship fast". My summary is: The %1 edge cases have become the 10%. That's still 90%, we have enough margin in the product to cover that expense.
The rest of the world outside of the tech industry is still in the 90s or worse. I'm convinced most of modern tech is papering over issues. The marginal user has the same 8 character password with an extra number after it for 99% of their accounts, and are unlikely run into issues like this, but you're 100% correct.
At one point I got really frustrated at the concept of "What fucking year is it?" on all sides, because some parts of tech have had the capital to move extremely quickly, leaving the other 90% of the world behind. People (at least around me) have gotten akin to the idea of needing a new phone every 2 years, and a vehicle about every 5-7 years or so. And no one has understood that unless you are in the 100s of millions in revenue, you can't keep up. This is a complex and nuanced discussion, but an example being: a small business (less than $50M/year) can't ship products at the speed Amazon can, nor can offer friction-less returns, or even full reimbursement sometimes. This has become the rule, not the exception, customers expect Amazon fulfillment quality with .000000000001% the capital. So the natural cycle is to get closer to the expectation. Thus my thesis of "1% has to become 10%" to retain the 90%.