I agree 100%. While I personally would love all these features as a tinkerer, I'm afraid my retiree parents are gonna click on malicious links and install malware. Because this is what they fall for on Windows and Android.

Then the solution will be to use anti viruses and other software, which will make the ecosystem even more exploitative (imagine the likes of Norton and Avast on your phone).

I believe the best solution is giving the user a choice of the OS. Like go to a store, select phone hardware, select OS and pay. Once you're on an OS you play by the OS' rules. Like for android you could choose vanilla, Samsung distro, Mi distro, etc. Similarly iOS could be available on Pixel hardware, etc.