I am not sure if they always had it but, by default you cannot access options trading.
You have to seek it out, read a short document then click "Yes" or something similar.
To get margin trading you again have to seek it out and know specifically what you are looking for and pay them $4.99 / month.
I am not sure if they always had those behind opt-ins but I can't imagine a platform allowing margin trading on free accounts.
Sure, car manufacturers do need to implement safety measures to the best of their ability, and this only occurred after govt introduced regulations requiring it.
Similarly we would need regulations for leveling the playing field for fintech apps, but its unfair to place all the blame on just Robinhood.