Okay, fair point, let me rephrase: if someone knows what kernel (admin) level execution means, and installs a game that requires this on a computer where they keep important data, they are a dumbass mtherfcker :) Generally speaking though: most people shouldn’t be allowed to use technology - humans are unbelievably stupid for the most part.
For the purpose of protecting important data, the distinction really doesn’t matter. And the good old xkcd comic has a point - for many people, all relevant data is in the user’s accessible storage area anyways. Hence me running almost all internet applications and steam in a jail.