I think the next big thing in technology is to develop ways in which those less "techno-literate" will be able to use it without it causing too much effort. This, however, isn't going to happen in a day. It takes time, but having studied a technology related field, I know for a fact that big things are coming to help people use the ever more complex things.

Technology will be everywhere, and most of our daily lifes will be interacting with technology, if you think you're doing it now, wait for the big breakout of wearable technology.

I see it as not a challenge for individuals, but those in the field. We can't expect people to know everything, therefore, the experts will have to figure it out.

As for time as a resource aspect, using technology should be fun, hopefully most of time it is. Therefore, does it really matter if fun things take much of your time? Not all technology is fun though. Hopefully that will change also.

Well, my point being, "techno-literacy" should be left to those who invent it. The brain will take care of the rest. Awesome things happen in people's brains when they get to learn using technology :)