You are overblowing it out of proportions. Majority of people are capable of understanding warnings just fine, you're not that special. When they can't, it's usually because it was communicated poorly. More often, they choose to ignore it, because of too many useless and overblown warnings.

Why aren't your family members sending money to the Nigerian prince? I bet your parents and brother are able to perform money transfer, so the tech isn't blocking it, but they don't do it.

Windows has very poor security model. It fails all security requirements I mentioned in my previous post. Needing elevated permissions to move a shortcut to a subfolder on their desktop just trains users that a lot of warning in Windows are useless.

A lot of dangerous and stupid activities are legal. Experts influence laws, but they don't have the power to prohibit laymen around them from doing legal things. Running software of your choice on your devices is legal last time I checked.