Such is the cost of computing freedom. This line of thinking is analogous to surveillance justifications in meatspace.

>Unfortunately that is the same vector that scammers use to drain people's bank accounts

Is the solution really that no one can use a computer without special permission and inspection of government issued identification? If we wouldn't tolerate this with our desktop/laptop OS, why is it suddenly okay for our mobile computing platforms?

If Microsoft required this to run software in Windows, there would be riots.

If someone is dumb enough to ignore a very explicit warning message, that's their problem. We also don't restrict the sales of kitchen knives just because some people inevitably are going to be dumb enough to hurt themselves with a knife. If they hurt themselves that's their problem, not the problem of more intelligent people.