Maybe it's time for MySQL to make "utf8" actually mean UTF-8 then (https://medium.com/@adamhooper/in-mysql-never-use-utf8-use-u...)
https://dev.mysql.com/doc/refman/8.0/en/charset-unicode-utf8...
Can't fault a database vendor being conservative, but looks like this is planned. Maybe this will be a 9.0 thing.
The only real solution is to hammer home the message that "utf8mb4" is what you put into MySQL if you want UTF-8.