The more experience with end users I get the more my design goal is security in spite of them. (I recently got an email from a user who was disappointed that a program I wrote prevented him from doing what he wanted to do, even though what he wanted to do was illegal and would expose him to substantial liability.)

"Click next to ruin your life" is not good application design. I shudder at "Carefully evaluate whether any of the following statements allows a malicious person to ruin your life."