If there is literally "No amount of scary menus will work." then those people cannot use computers. So long as they can transfer money with it, or do another action that a scammer may want to do, then the scammer can tell them to do it. They should not be allowed to install banking apps with that logic and need a legal guardian to manage their digital belongings

If the solution is that nobody has control of their digital life anymore (see also attempts to require client-side scanning and verify user age, which don't work if said user can override it) then we've lost sight of the bigger picture