To criticise people for not using their brains is grossly unfair when they do not have the information necessary to do so.
Yes, it is unfair if they don't have the info.
But - when the only impression beginners get is that the multimeter itself is the dangerous part we are heading in the wrong direction. Yes, a proper CAT-rated multimeter will probably not explode if they try to measure the short circuit current in the wall sockt. But, this CAT-rating will not help them if they poke their fingers into the same socket either deliberately or by accident.
If we want to inform beginners, we should instead help them to ask themselves "why would I like to poke my multimeter into the wall socket when I know nothing about electricity?"
Almost every person above 8 - 10 year old and living in a country with access to mains will know that the wall socket can be dangerous. Therefore we should help them to understand
why it is dangerous. Telling them to get a proper meter does not remove the real danger.
I have spent a lot of time with beginners. Only a few of them have any idea about CAT, and those who have believes it is something the pros need to know about because of some workplace regulations. Since they are not a pro, they don't need to worry, they think.
And most likely this will not do any serious harm to them. If exploding multimeters in the hands of beginners had been a real problem, Harbour Freight would have been sued back to the stone age by american lawyers. Even in Europe with our 230/240V mains I have still not heard about exploding meters in the hands of beginners being a big thing.