Exactly, this will fail just as fast as a single cipher when your users inevitably use 'password123' for their password.
If I take my car and intentionally drive into the ocean, I expect it to continue until the engine dies, and then I do shortly after. Why should machines start prohibiting me from doing stupid things, if I want to do them? I think Isaac Asimov wrote a parable about such a future.
I don't really understand the self-driving car analogy. A better analogy would probably be three cars hitched together.