And despite hyperbole about Apple locking down macOS, ending the era of personal computing, it's hidden behind a toggle in settings. https://www.xkcd.com/1200/ applies, and in the era of downloading random programs off the Internet and cryptocurrency, random programs should have to jump through an extra hoop before getting access to everything. Imo Apple went a bit overboard with granularity, but it's not 1990 and the Windows 98 (lack of) security model doesn't work, and neither does Unix permissions either.
It works just fine for any user with a modicum of sense. I know many people, not technical people at all, who avoid running malicious programs just fine. I don't see a reason why we should lock down everyone all for the sake of a minority who simply refuse to take responsibility or learn.