JQB45 :
We need to come up with a way of disabling wholesale file encryption *Accept* by authorized apps and services. Possible?
Do you like UAC? Because what you're suggesting is basically forcing UAC prompts every time any app attempts to modify any file on your PC.
A lot of people already hated the UAC that showed up when installing new apps or changing Windows preferences. My guess is that if MS makes a stricter option for UAC, nobody's going to use it. And even if MS forces it on, people are just going to blindly click on "Allow". I mean, if your "Zelda Breath of the Wild for Windows PC" app wants file write access to update itself, why wouldn't you allow it? If you wouldn't, why did you download it in the first place?
There are plenty of people who have asked themselves all sorts of questions involving security, some smarter than you and me, all of them have dedicated several decades more of their time to it. Trust me: if you think your idea about improving security is good, you're either a bloody genius, or you're awfully naïve. No offense.