The user also shouldn't need to potentially suffer massive financial impacts from not being good enough at using a computer... Even more if it's a problem that can be solved by the computer itself as it's done already.

It's like you are saying that potentially dangerous tools shouldn't have safety guards whenever possible, with little impact for the common use of the tool. Kinda absurd to think that way... If some advanced use-cases require safety guards to be removed that's when the user should be trained enough to know the risks.

People want to use a computer for their tasks, the whole motto of Apple was to make technology accessible to normal people without requiring them to be tech-savvy, what you want goes in complete opposition to that mission.