What damage could a co-pilot cause even with another pilot present? A steep enough descent might not be recoverable under certain conditions?
Anyway - this is why I’m glad I’m not involved in safety-engineering because supposing that setting sensible defaults that reduce accidents in 99.999% of cases would lead to horrible terrifying deaths in 0.001% of cases (e.g. one-way lockable reinforced cockpit doors) would be too much on my mind.
In fact just that happened on EgyptAir flight 990. A suicidal copilot was able to crash the plane even with another pilot present, and that happened from a higher altitude.