That assumes that usability is actually getting better. There is no evidence that this is the case from usability studies. This is not a new problem and we have known what is wrong for something like 20 years now. This isn't something I just thought of. See: Why Johnny Can't Encrypt[1].
[1] https://www.usenix.org/legacy/events/sec99/full_papers/whitt...
[1] https://people.eecs.berkeley.edu/~tygar/papers/Why_Johnny_Ca...