Not saying you don't have a point, but there are a lot of ways to lose your ass in this world and I don't see Robinhood as a particularly egregious case that requires any more warning than Fidelity (which will jam fees).

Unless you have a gambling addiction, it is hard to get into trouble with a cash account. Margin accounts are another issue, but in the States, "pattern day trading" requires $25k minimum balance to execute more than 4 trades in 5 biz days. That is a pretty effective filter.

I really hope they add IRA support soon.