Erel,
I wrote my first program when I was 18 - I am now 68 and have been involved in software, developers and users for most of the intervening years in many different roles.
I have never met a user with limited technical competence who needs or copes well with unnecessary complication - such things are always sources of irritation, confusion and frustration - firstly on the user, ultimately on the developer.
The primary design consideration where a user interface is concerned should always be KISS - "keep it simple stupid" (never quite sure how to punctuate it).
One of the characteristics of the smartphone phenomenon is that the vast majority of users have ZERO technical competence - so KISS applies double.
In my view, Apple's nannystate approach to "user security" leads to unnecessary complication - diluting one of their supposed major selling points: ease of use.
Sorry for the sermon...