fwiw, in my industry, I should not assume anything about technical literacy. We’ve had honest debates over whether we can even rely on people to have an email address.
Again, it’s not that I disagree with most of your premise, but in fact, as the comments (not just mine) show - people have issues with submitting too early, so it can be a good decision to break that depending on context. Fewer errors. Which is why I brought up how the problem is presented to the candidate. You might be filtering out people based on something less universally accepted and understood than you think.
Web forms have a default behavior. It doesn’t matter whether you accept it, you should understand it.
If you accidentally break it because you don’t understand it, that’s a strike against you in my book. If you consciously break it for a good reason and can coherently defend that reason, that’s a different story.
You can always find an outlier who is new to something, but you'd have to show that it's more than a majority of the users to motivate changing the default. Otherwise it's obviously more unintuitive.
At least you'd have to get a sample big enough to make a statistically significant conclusion.
And the burden of proof is on you, because you are changing the default, not the other way around.
Think of any other products, they all have established default behaviours, yet it's also very easy to find someone who's never used a product before and finds it "unintuitive".
And intuitiveness is only one part of usability anyway.
Again, it’s not that I disagree with most of your premise, but in fact, as the comments (not just mine) show - people have issues with submitting too early, so it can be a good decision to break that depending on context. Fewer errors. Which is why I brought up how the problem is presented to the candidate. You might be filtering out people based on something less universally accepted and understood than you think.