Sadly, your view isn't less paternalistic in reality. It effectively amounts to telling people who have better things to do than care about their personal IT security to just suck it up. Billions of smartphone users worldwide are in this position.

Look, I'm not saying that this outcome is ideal and I hate the idea of a single, almighty platform gatekeeper. But with the world being what it is right now, draconian device lockdowns of some kind are the best option that is immediately available.