Is that a practical question looking for a real solution right now or is more of a philosophical question?
If the latter:
Tech should be approachable by teaching users and add safeguards, not by dumbing things down to a degree users stay dumb. Options should be easy to find, preview what they do, and always offer to restore defaults. A desktop for extreme beginners may even adopt an idea from gaming and have them do a tutorial section first. It may even double as a wizard of which accessibility features to enable for elderly users.