While I agree with you, without using a more granular permission paradigm I get more than a little antsy giving third-party software arbitrary access to even my standard user's privileges on Windows.

I've been using a dedicated computer for banking / finance work for a few years now. I also run some software that I consider less trustworthy on my "daily driver" Windows PC as a dedicated user, separate from my "daily driver" account.

I really need to make the jump to Qubes. I've been meaning to for years. The learning curve for their contrivances seems steep and I'm lazy.