Gen Z struggles with file systems in general, because the vast majority of their technical experience is on mobile OS’s. However, Gen Z compsci students are somehow far beyond the skill set that millennials had at their age. Or at least that has been my experience with interns over the past 12 years.
I also got a million spam calls after applying for a mortgage with a trusted bank a couple years ago. I suspect that the banks sell your information to mortgage brokers. I’d be curious to see the privacy policy on the form you submitted.