Having some kind of hidden “I know what I’m doing” mode would make sense, but would probably defeated the same way as “I’ll teach you how to open browser console” to paste some command exploits.
Both of those things existed in the early 2000s, but if the risk of a loan can (appear to) be shifted onto someone else, banks can and will issue bigger and riskier loans to people, and will reward the individual people selling the loans personally.
iPhones become e-waste at that point, due to the discussed restrictions.
What I find interesting is that there's been little interesting making something like QubesOS for as many consumer devices (portables as well as desktop) as possible with an interface as painless as possible so people actually use it, and then the blast radius from any problem is smaller. There's also the hosted services side of computing where isolation on the same host is an expected feature and vulnerabilities like meltdown/spectre are such a big deal over the past 8 years, but it only gets seen as a curiosity on consumer devices.
I know it's on a much, much smaller scale, but I'd say the move to sandboxing apps / browser tabs / profiles is aiming for precisely that and in a way that's invisible to most users, which is probably for the better.
The DMA in EU has alternate app stores being created, for example. That's some kind of point in between these two. But it still feels like if that's your only option, you'll get ICEBlock blocked in those markets too in many cases.