I couldn't agree more. I think the fact that we have so much crypto foot guns available is a UX issue that we should address. Ideally, Crypto 101 would only be to satisfy one's own curiosity; not mandatory reading for anyone who wants to do something cryptographic. Alas, that's also not the world we live in right now. Realistically, plenty of crypto libraries will offer up e.g. unauthenticated AES-CBC. Then you probably want to know about some of the attacks on that, why you want a MAC, and where that MAC should live; if only to convince your coworkers that the concerns you have are real.