I did. Doing "buy and hold" or even riding FANG`s on some margin requires mostly discipline, and it's already hard for a lot of people. Consistently profitable options trading while managing risk so it won't blow up one day is a profession.

The amount of knowledge needed is on a whole different level.

You are technically correct, but again, we are talking about retail broker targeted to millenial audience. I would be very surprised if 1% of it's audience knows what straddle or butterfly means.