So make it an unlockable feature with a big red warning saying something like: 'If you unlock this feature, your money might be stolen, malware could infiltrate your system. You take full responsibility and acknowledge that you are tech-savvy.'

I'm sure if my grandma saw something like that, she wouldn't click it. This way, people who want to stay in a closed garden are protected, while those who want full control have it. The current implementation seems designed for state interests, not the people's.

It shouldn't be impossible. Not every FOSS developer will want to register, or be mature enough, or may be from sanctioned countries, and so forth.