The people who can do doomsday level harm need to complete a level of education that makes them smart enough and gives them time to consider the implications of their actions. They have a certain level of maturity before they can strike and this maturity makes them understand the gravity of their actions. Also, by this point they are probably set financially due to their education and not upset with the world (possibly the case for you and friends)

Then there are the script kiddies that find a tool online that someone smarter than them wrote and deploy it to wreak havoc. The script kiddies are the people I worry about. They don't have the maturity of doing the work and the emotional stability of older age and giving them something powerful through AI worries me.

Theorem: by the time someone reaches the intelligence level required to annihilate the world they can comprehend the implications of their actions.