A good deal of post-Depression financial regulation was about making it harder for laypeople to invest, because the layperson is not really a "rational" investor and because there was a decade of real economic harm from letting people treat the stock market as a casino. People in the '20s were going in debt to buy stocks and then when the bubble finally popped it was ugly.
I don't know that good UX is a positive for society in this scenario.
I don't know that good UX is a positive for society in this scenario.