Are you genuinely curious, or are you asking because you're implying that the people who would use such an app are somehow not understanding something or not intelligent, or don't know something that you do? Like you have to prove your case too, as you're not immediately "right" in your statement. Sure there is some level of "risk" in doing this, but there is risk in a lot of things. It's like me asking people this:
"Why would anyone trust people with 4 weeks driving classes and a test with their lives on a road driving 80mph inside 2-tonne metal cages? Seems insane."