I would love concept of "adult computing", where I can mark a checkbox "I herby guarantee that I'm not going to blame $company for me being a moron and installing malware/destabilizing device due to changing random options". Then device starts behaving like piece of hardware I own, shows error messages that actually tell something and in general doesn't assume if I drop dead if presented with more than two buttons on single screen

Oups, i'm afraid you are describing 1999 :/

Do you also agree to pay me compensation if your computer is part of a bot ring that is ddos’ing me or spamming me or spamming my users, because you installed malware?

Can you put up a bond for this or proof that you carry insurance for this?

You're free to sue me like for any other harm. Also, do you think that now you are protected against that? Will Google/Apple pay you compensation if due to to their negligence locked down devices become part of botnet?

Edit: but honestly if I could pass "driver test" for computer, pay insurance in the range of my car insurance and it would mean that I will never meet error message without details and I would not ever be locked out from configuring my device, however I please, I would take that deal.