Yeah very deep thoughts. So to sum it up if you feel something is outside of your competence, don't do it. Being a surgeon, and building space rockets is outside of my and majorities competence. Eating soup, operating a vehicle, pumping my own gas, running a wallet software is not. Welcome to 20th century, times-a-changing. We'll try really hard to dull the edges and make it as idiot proof as possible so 90% of population can use it, but if you still fall in the 10% and are so incompetent that you're afraid of pocking yourself in the eye with a fork,  you probably shouldn't use forks and bitch about fork manufacturers