What I am trying to say is that it is strange to make safe isolated connector, and then put a "backdoor" on the side to insert bare wire. It may be more universal, but spring loading/etc. does not protect from non-isolated bare wire coming out accidentally.
I see this as a trade off between safety and usability. Obviously from safety point of view bare wires or spade lugs are worse than sheathed banana plugs, so the best would be a flush safety banana socket as you find on multimeters. But from usability point of view it's nice to be able to use bare wire.
I have some equipment with semi safety binding posts that screw down but have spring-loaded insulation that goes over the part that clamps the wire or spade lugs, and frankly they're a pain to use and require more touching the binding posts than normal binding posts.
The way I see these binding posts as giving you a choice between safety banana plugs if needed and bare wire when using lower voltages. Just like how safety banana jacks can take both sheathed and unsheathed banana plugs depending on the needs.
It is more logical to use some kind of plug which can be installed on wire with screws/etc, similar to DIY power cord plugs.
The important thing in DIY power plugs is strain relief, I'd say. But that would make the binding posts even more clumsy, and you might as well use safety banana jacks.