I think there's a problem of association - many people associate the complexity of the technology with the complexity of using it and convince themself that they can't understand how to use it because they don't understand how it works. It's wrong, but understandable.
Age is also a factor, as it becomes harder to learn new things as you get older. The association plays into that because it causes people to see using new technology as being a new thing because the technology is a new thing. Hence, for example, geekman's mother perceiving using the remote control as a new thing even though the buttons on it were labelled with exactly the same icons as the buttons she must have used many times (but not on a remote control).
I see it at work quite a lot. I work in a bingo club and over the last few years we've partially moved from paper to tablet PCs. It's the same bingo played in the same way - you just touch the screen instead of putting some ink on paper - but it's common for it to initially confuse some customers, especially those who aren't young enough to have grown up with handheld computers and touchscreens. We get some damage caused by people using far too much pressure because they're expecting the resistance and movement of a physical key. The association (complex equipment == complex usage) can lead to really silly things, such as a person of normal intelligence making themselves unable to understand entering their own day and month of birth by touching large, clearly labelled numbers in the relevant order. Humans are, in general, prone to holding on to preconceived ideas even in the face of evidence.
But I also see it in myself as I get older. Maybe in another 20 years I won't see it in myself even when it's there. Maybe I'll be the person looking strangely foolish to a younger person because I'll be making such a meal of simple use of complex technology because I'm thinking that complex technology means complex usage of it and they've grown up using it and are therefore familiar with the knowledge that the usage is simple even though the technology is complex.