Imagine a wallet with cash in it... Ariel opens her wallet and takes out a Hamilton ($10 USD), and hands it to Beth. The most she can lose is the $10.
In this scenario, the most Ariel can lose is that $10, no matter how evil Beth is. If Eva manages to impersonate Beth, still the maximum loss is $10. In no manner can the balance of Ariel's wallet be lost.
If you have an operating system that never hands over the wallet to an application, but instead uses capabilities, in a clear and transparent manner, then the user is quite capable of doing the right thing, as millennia of experience have shown.
Our current crop of OS choices don't even make it possible to select and built a capability on behalf of the user. There is no "wallet" analogy without capabilities. We're living in a world where you must hand over your wallet to anyone to complete a transaction... which is nuts.