If the users' willingness to do stupid things is boundless, then locking down the system further isn't really of any benefit, since users will continue to venture as far as they need to, no matter the number of safety barriers they've passed. The only solution to that problem is a fully locked down device (which I hope we can all agree should not be the only option).
That's why they're going to fully locked down devices.
So, they will use other vectors, like convincing people to transfer money. Set up fake webshop. Run scams through online marketplaces, etc. The solution is not to make everything impossible. The solution is to educate people.
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