> When a normal user is highly motivated...
...they reap the consequences of their actions.
A warning lets a person know it is getting deeper. It is up to the person to realise if they are out of their depth.
If a person lacks the self reflection to realise their capabilities then they need a guardian. Children and the elderly routinely have this for other aspects of life. Why not a phone?
Why can't I delegate such authority to others when I become old and infirm?