Your analogies make sense to me. Sounds a lot like running a system on Linux. Or maybe assembly is a better metaphor. I like the analogy about avoiding all the safety mechanisms on an electric line and jamming your hand in there...the grid can't tell the difference.

The arguments here are odd. The blockchain isn't built to handle this kind of operation by a non-expert user. Yes, mistakes are expensive. Is that okay? In the same way that a nuclear power plant isn't designed for a rando to go in and operate it.

Yes, raw blockchain stuff is hard and non-experts should not interact directly.

The key question is, is the payoff worth building an entire system around? For nuclear power, yes, because it provides electricity for people to just plug into. For blockchain, maybe, maybe not.