Options are potentially the most complicated common financial instrument and modeling their risks is extremely difficult. Moreover, unlike equities, nearly every single options trader is an institution (versus just ~most equities trades being institutions). You are a tuna in a shark tank.
There are so many ways to blow up your account with options even if you think you’re not doing anything too risky. Volatility crush, long tail risk, complicated positions (butterflies and condors etc) that can be complicated to enter and unwind. Etc etc the list is so long. Brokerages can try to paper over some of these issues but the playing field here is inherently a highly leveraged minefield. ~80% of all options expire worthless.
Retail investors should not trade options, it is not something to do lightly, and is is certainly not something to do for pocket money.