That's like saying the fix for road deaths is to educate drivers. We already proved that doesn't work nearly as well as designing better cars, roads, and signs.
Educating 7 billion human beings is a lot of work. A mind-bogglingly insane amount of work. Security is even worse because one lapse in judgement, one sick or busy day, can completely erase a lifetime of following security best-practices.
The power of software is the power to make machines do the work. Why would we want to make 7 billion people take responsibility for a problem that could be solved by a few thousand programmers?
Precisely so that those 7 billion people will not be at the mercy of the few thousand programmers (and those who they represent the interests of.) Creating more walled gardens --- which is effectively what you seem to be proposing --- only gives those in control even more power.
Building software is a collective process that often depends on experts. Nowhere is this more clear than in cryptography, which everything else depends on. With hardware it's even worse.
We need to get everything reviewed and decided on in the open, so that independent experts can verify it. But getting rid of experts - forget it, that's a cabin in the woods scenario that doesn't scale.
Of course we can always do more to educate more people, but that's a way of increasing the number of local experts. You're still going to be surrounded by lots of non-programmers who can easily make naive mistakes.
I used to believe this too. Over the past several years though, I've worked with many, many users from all walks of life, and I've come to realize the hard truth: the users simply don't give a shit. They already use a billion other apps in their day-to-day work and don't have time to spend watching training videos or reading documentation. So if they have to be educated to be able to use your app properly, you've lost.
This isn't to say that all users are like that. There are definitely ones who are tech-savvy and competent and curious. But the overwhelming majority want nothing other than to click a few buttons and get the results they want from the app. Anything more complex will cause them to give up and move on.
The user is the boss of the software. The user is not a peripheral that I get to reprogram. I must accept the user as is, and adapt as best as possible to their actual capabilities.
If users with to abdicate their positions as bosses, then they clearly are not to be considered as having valid authority.
Not a Windows user these days but I understand it's not possible to get the old Windows 2000 look anymore, though I'm sure you can still change color themes and appearance to some extent.
If you do use Aero, you can change the window chrome colour to something custom, which should catch out sites trying to fake windows. I don't think browsers provide any way to get the window chrome colour, though come to think of it, I'm fairly sure IE does/used to provide system colour names in CSS, so it might not be impossible... (If you recall the Win2000-era colour customization window, which IIRC you can still access in current versions of Windows, it's just hidden, you can set things like default window background colour, which traditionally in the Win2000 era was grey. So I guess the idea is that websites could use these system colours if you changed them to be consistent with the OS. Of course nobody really does this.)
Since this is part of the initial setup wizard, I think it would be pretty hard to fake a Windows 10 dialog from inside a web browser.
You can afford to lose the remaining 3%.
The accent color? If you buy a new Windows 10 machine off the shelf, after you enter your name, it asks what your favorite color is. I think blue is highlighted when that screen comes up, but you can't miss the opportunity, so 3% is a bit low for an estimate of how many people will change it.
A fake dialog won't know that my titlebars and buttons should be teal.
Impossible.
The way to improve is to restrict the amount of damage that can be done by spoofed websites and have multiple safe-guards in place.
People cannot be expected to learn these technicalities. If they get a phone call, on the other hand, and are asked whether they really intended to make a large purchase that raised a flag somewhere, they will know what to say.