It also appears RH users get margin accounts by default, at least from everything I've read. If that's true, it's probably the real problem.

In the EU retail traders are permitted access to margin, but brokers are required to eat any loss exceeding the value of the account. It's not enough, because it still means new "traders" are exposed to amplified volatility, thus ensuring their accounts will blow out much faster than they may have otherwise, and positions that might have recovered in a cash account get margin called and closed out at the worst possible moment.

Leverage/margin access should require similar levels of study as a private pilot's license