I Agree there are Idiots out there. And if a Person doesn't have the Skills to make it SAFE, They shouldn't make it!
But there are Many Direct line Projects and Commerical Products on the market. And if you don't take proper care, they can also be dangerous. (Like using a Hair Dryer while in the Bath Tub.)
Even using Current Limiting and an Isolation Transformer, as you suggested, Does Not solve anything, If the Idiot Doesn't know how to Properly Wire them up.