Millennial here: I think what Gen X and Boomer authors mean when they say ‘GenZ is more tech savvy’ is basically just that they use social media apps on phones and play video games, and that more of their culture derives from such things.
Maybe tech-immersed would be a better term.
As far as actual tech competency goes?
Yeah I agree with you. Phones and apps are generally reliable enough now that there’s far less need to figure out anything under the hood, unlike in my day where you kind of had to learn more about a system to do what is now common, and you had to type on a keyboard.
Now now, they innovated by turning Facebook from the way you could see what your friends were doing on your feed into algorithmically determining exactly which batshit insane ‘news’ stories from cranks and posts from crazy people would be the most effective rage bait to specifically you once they figured out that anger and rage are the most effective way to cause retention and engagement.
They basically scientifically perfected trolling, and figured out how to monetize it.
Sure it widely proliferated dangerous anti science nonsense, bigotry, racism, sexism, homophobia, fostered the Q Anon insanity mind plague and facilitated it going mainstream, but hey, hate sells.