I think “most people will have to turn on the setting to make things fast at the expense of durability” is a dubious assertion (plenty of system, even high-criticality ones, do not have a very high data rate and thus would not necessarily suffer unduly from e.g. fsync-every-write).

Even if most users do turn out to want “fast_and_dangerous = true”, that’s not a particularly onerous burden to place on users: flip one setting, and hopefully learn from the setting name or the documentation consulted when learning about it that it poses operational risk.