Sadly about 98% of real world users are going to fall into scams, ransomwares and stuff. They are not mentally challenged, there are just so many traps/fakes/tempting stuff that we as IT people are more aware of (but even we still fall into some).
We also can't count on every person being able to check every single thing they do: how do you check if some food or drug you get is good or not? you can't really, you have to trust someone who knows.
It’s a bit like the Elizabeth Warren toaster analogy. If you bought a toaster with shoddy wiring and it caught fire and burned down your house, everyone would blame the manufacturer and not sneer at you online for not learning electrical engineering and not checking the wiring yourself before using it.
It's more like if I buy a reliable toaster, but I buy bread that's secretly poisoned by the manufacturer and hurt myself. I'm not gonna demand the toaster maker add a poison sensor to the toaster and say "how dare they didn't protect me!"
I don't buy this in the first place. It is reasonable to expect consumers to do some background research into the products they buy. In fact, it is the only way capitalism can function as a meritocracy.
Society should be more dangerous as a means to force people to learn more about technology they rely on.
We also can't count on every person being able to check every single thing they do: how do you check if some food or drug you get is good or not? you can't really, you have to trust someone who knows.