Exactly, and Senor Schmoe also needs to know the limits of his own ability, even if he is current. Just because I am interested rated does not mean I would attempt a difficult approach at Aspen or some other airport at altitude at minimums in a heavy plane. There are some approaches I fly routinely that would be difficult for a pro to hand-fly without practice. I've had a lot of practice on those specific approaches and am expert at them.

It is somewhat unique to some aspects of aviation that there is a "oh he was taught badly" mentality. Reflects a lack of willing to take personal responsibility or make own judgment.