>There is a default restriction which is good enough for most cases, but the user has the ability to open things up further if he needs.
But this is what the other guy's point is. You are defining "good enough for most cases" in a way that he is not, then making the argument that what he says is equivalent to not allowing an alcoholic to buy beer. Why can you set what level is an acceptable amount of restriction, but he can't?
That is where we differ. It is, ultimately, the victim of a scam who makes the choice of "yes, this person is trustworthy and I will do what they say". The only way to prevent that is to block the user from having the power to make that decision, which is to say protecting them from themselves.