alt Hacker NewsThat's unfortunate if true but it isn't a convincing argument to force the rest of society to live in proverbial padded cells. There's a minimum bar here. Some people probably shouldn't have online accounts and aren't responsible enough to manage their own finances. The rest of us are (hopefully at least marginally) functional adults.
This is actually a really interesting problem. Some portion of the public (nerds) are competent to understand what running software even means and the rest (let's call them "sheep") are naive and helpless. A portion of the nerds (Evil Hackers) are easily able to coach any sheep to do any action. Obviously everyone should default to being a Sheep, and obviously it would be ideal if Nerds could have root on their own damn hardware. But how can one ever self-certify that they're actually a Nerd in a way that an Evil Hacker can't coach a Sheep through? "Yes, now at the prompt that says 'Do not use this feature unless you are a software engineer. Especially don't click this button if someone contacts you and asks you to go through this process.'... type 'I am sure I know what I am doing' and click 'Enable dangerous mode.'"