>>Malware and scams would come with instructions to install their custom bad app.

I would love a single example of that happening(on android)

Exactly this. People forget that most of hacking is social engineering.

All I can figure is these notions that it'd be fine and exactly the same come from the generation after all of us who experienced the horror of removing 20 "search bars" from every single one of our relatives' computers... and repeating every few months. And that's when they didn't manage to get outright viruses on the regular, which many of them did. They simply haven't seen how awful Internet-connected computing was for most people, at exactly the time when most people finally started to use computers at home (in the US anyway), which was right around the year 2000.

Or maybe we have 80+ year old relatives using Android and not having these problems.