Where do you draw the line between allowing functioning adults to make their own choices (even if they are mistakes) and tech paternalism?

Currently we seem stuck in a positive feedback loop where tech becomes more and more paternalistic which creates more and more tech illiterate users which is used to justify even more tech paternalism.

It is convenient that this tech paternalism also happens to align with the profit incentive: Easy to trap people in closed ecosystems this way.