That's madness.
I assume this is what ADB does, using the Microsoft provided WinUSB kernel mode driver and associating it with your mobile phone USB vendor and product ID. There's not a single line of code in such a driver, just some INF descriptors.
There might also be different forms of user mode driver, not sure how they work.
You mean a user-mode application? A user-mode driver is something you write instead of a kernel-mode driver (when it's possible), not on top of it. (?)
KMDF drivers have to be signed with a CA that's not user installed while UMDF drivers may be.
Or maybe forgot all the digital picture frames that hosted viruses.
Thanks to the folks at http://leshcatlabs.net/unifl-unified-leshcat-drivers/ i can put Windows 10 on old laptops with 'unsupported' old AMD and/or Intel gpu's.
When i was modifying my HTPC from Windows 8 to 10 i also experienced that annoying protection. I used the Cmedia BitPerfect drivers on my Windows 8 machine (https://code.google.com/archive/p/cmediadrivers/wikis/Bitper...) to have almost perfect DTS throughput, but couldn't use these on Windows 10 because not signed. The Leshcat people kindly provided me with a signed version.