I'd see it the other way around and say that a device running an operating system controlled by some company shouldn't hold your entire life, bank info, photos, etc.
Blocking apps is like blocking buying of knifes because one can hurt themselves.
"Everyone should just be smarter/more educated" is what I used to think as well. I now fully understand some people have no desire to be educated in any way and it's a net good for society to not have a large % of devices compromised.
Now my in-laws (similar age) one very demented, the other thinks he knows best because he was a chemical engineer...they could use some built in protections
so ultimately I think some default level of "guardrail" is appropriate, but it should have a not too burdensome escape hatch
Which is really exactly what google is implementing here and why I'm so perplexed so many people are upset. You or I or smart parents (my mother has never used a computer in her life and wouldn't want to) will have absolutely no issue sideloading apps after the proposed changes.
The logical conclusion is that fdroid should be allowed and google play banned by default.
There's not an easy answer, but the non-answer of "people just need to be educated" is trivially dismissed.
That device was called personal computer for decades, and the world didn't end for the simplicity of installing software on it.
To be fair, mobile phones being locked down probably contributed to the mass adoption of e.g. mobile payments and banking.
The move to apps made things more difficult, if anything
And they used an actually secure OTP dongle, eventually ditched by most banks because, yeah SMS codes and apps are safer............
It's now that a lot of people can't use any remote banking, because their bank's app is huge or refuses to run on their phone.
The "personal computer" has a terrible track record.
Society didn't ban doing it, but put up barriers that help the average person from doing something dangerous.
It doesn't mean one can't buy nice things because one is afraid of being robbed.
The Play Store's scanning is very far from perfect, and the amount of crap that's on it, combined with the trust that people have towards it, and apps' unfettered access to internet, makes malicious software easily more common than on PCs.
Even without considering as malicious the enormous data collection that almost everything on the Play Store does, encouraged by Google