Agree (you made me think of the famous face on Mars). I mean that more as a joke. Also there’s no clear threshold or divide on one side of which we can speak of “human intelligence”. There’s a whole range from impairing disabilities to Einstein and Euler – if it really makes sense to use a linear 1D scale, which very probably doesn’t.
The current security philosophy almost seems to be: “In order to make it secure, make it difficult to use”. This is why I propose to go a step further: “In order to make it secure, just don’t make it”. The safest account is the one that doesn’t exist or that can’t be accessed by anyone, including its owner.