The problem is mostly that normal people can't be trusted with system-level access but some people can. And it's literally, provably not possible to tell them apart.
For the masses, lack of system-level access is a benefit because they won't be able to ruin their device. For hackers and hobbyists, lack of system-level access is a hindrance because they won't be able to control their device.
In other areas of life, people self-select at their own risk. You can diagnose medical issues yourself, buy power tools you don't know how to use safely, and invest in assets that you don't understand.
All other things being equal, we should try to protect people. But we shouldn't force everyone to make the choices that are best for the people with the least comprehension of what they're doing.
If the only damage is personal (they lose their own money), why can't we make them responsible for their choices?
Normal people shouldn't have computers. The internet must be made back into something you sit down to use.
Non-ideal situation for those power users - have 2 phones. Annoying but also a perfect separation of free/personal and controlled/official spaces.
> normal people can't be trusted with system-level access but some people can.
Why can "normal people" be trusted with a car then? Or firearms? Or kitchen knives?