I think the flaw is that we've got one type of browser for everything.

Let's just have a bank browser for banking and a restaurants browser for deciding where to eat. Then the banker need only indicate that the account is overdrawn and the restauranteur need only indicate that the fries are gluten free.

The number of people who need to care about how these things are presented to the user could decrease by a factor of 1000 if we just standardized a little and stopped trying to control every little thing.