But most importantly, there are very different qualifications in my head for things I just use and then get on with my day, and tools that are integral to things I am building. I take the bus but I don't really understand how a diesel engine works. But if I'm building it, I'm responsible for it. In fact, you brought up some networking issues in your comment. For a long time when I was a software engineer (primarily a web developer) I felt that my knowledge of network engineering was lacking, so I specifically took some courses in network engineering to better understand how my code interacted with the network. You also brought up text encodings. Once at my job I did a full, rabbit-hole deep dive into text encodings and localization because we had frequent bugs related to localization, and I still find a lot of developers misunderstand a bunch of the important details in localization (e.g. the difference between an encoding and a unicode code point).
But sure, I don't need to understand every minutia of detail at the atomic detail. But I really like to know that I could, and in the meantime I have a enough of an understanding to build a complete conceptual model in my head.