In theory I have no problem with the idea of hanging the incompetents out to dry, when I imagine them as unsympathetic idiots, the same people who litter, and can’t drive correctly. But actually I think most of us would be horrified when it turns out that category of incompetents includes our parents and grandparents, or, increasingly, our children (Gen Z has been increasingly falling victim to scams, partly because they have no idea how computers work since modern ones present only highly abstract surfaces to them, and I suspect Alpha will be the same).