> However if you're not an experienced programmer you won't know what's missing, if it's using outdated and insecure options, or is just badly written. This still needs a professional.

I think a lot of this could be solved by a platform that implements appropriate guardrails so that the application code literally cannot screw up the security. Not every conceivable type of software would fit in such a platform, but a lot of what people want to do to automate their day-to-day lives could.