alt Hacker News> easily able to coach any sheep to do any action
No. This assumption is the core fault with the entire line of reasoning. The typical sheep will not do arbitrary things for a stranger such as sending you his entire bank account because you told him he needed to pay an IRS penalty in crypto to avoid being picked up by the state police who are already en route in 15 minutes.
It's a continuum. The question is how much of the low end needs to be protected by the system.
Binning into discreet blocks to match your example, the question is where to place the dividers between the three categories - nerd, sheep, and incompetent. We don't care to accommodate the third.
This is if nothing else an interesting postulate. Default all devices to nerd mode and sheep mode is an opt-in at setup time.
In theory I have no problem with the idea of hanging the incompetents out to dry, when I imagine them as unsympathetic idiots, the same people who litter, and can’t drive correctly. But actually I think most of us would be horrified when it turns out that category of incompetents includes our parents and grandparents, or, increasingly, our children (Gen Z has been increasingly falling victim to scams, partly because they have no idea how computers work since modern ones present only highly abstract surfaces to them, and I suspect Alpha will be the same).