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We don't have dumb AI because we are afraid to 'let them off the chain.' This is pretty much it for LLMs in terms of capability. 'Agentic' might get a little better at some point but it isn't going to be 'real AI' without years of user data, years of training, and as-of-yet non-existent technology.
As for your question... I deny the premise. There is nothing to stop anyone if it is possible to do a thing. Right now, for the cost of a car, if a person had the knowledge and will, they could buy a synth bio lab for their garage and build a pandemic. You, just like so many others, could build a truck bomb capable of destroying a building. People regularly design destructive computer software as a hobby. People, mostly but not only Americans, can acquire guns and shoot dozens of people before anyone can stop them. There is literally no direct way to prevent any of these things. The thing that keeps us from having massive attacks every day is simply not many people have the inclination.