There are so many things involved that a casual user will never get security right. Even if you are knowledgeable it's very draining if you have to catch up, securing all your workflows is hard work that is definitely NOT done at a glimpse and you probably postpone it because of that.
If you have some sense for security you will usually get nervous doing something stupid in a bash script. Well, except you bury everything in thousands of abstractions.
Unless your bash script setup doesn't have the functionality of pull_request_target, but then removing it also works.