I run a Modern Dark*Matter game and this sort of thing comes up quite often. I've got two 40-something know-it-alls, to boot.
Last week somebody wanted to disable the security at an NPCs house so they could break in unhindered ... I just off-hand said: "he's got a nice security system, ADT, the works." and one person said: "Welp, that's it, I know about systems like that, they're impossible to crack, you're not going to do it with a laptop from a flower van."
Dark*Matter, however, has a few helpful aspects ... like OSIRiS, the alien-designed O.S. Hoffmann uses. So my response was: "How many people use OSIRiS to bust ADT?" Set a DC and let 'em roll. Which even the know-it-alls had to agree with because nobody knows what OSIRiS is.
So what I'm saying is, even in "Modern" games you can inject a few unknowns that'll let you hand-wave stuff. We have alot of "cover stories" in D*M. Sometimes they show up as Insurance Investigators. I have absolutely no idea how those people function. I just hand-wave it as part of what a secret non-governmental agency DOES ... if I get it wrong, the players are usually willing to shrug and move on.
--fje