To my knowledge (apart from the bash terminal that you can get to once you're already logged in), Apple has not had a text "shell" since the days of the Apple ][, the last time the company had anything "open". They chose the "closed" route, and the onus therefore lies entirely on them to fix the problems their user base is too non-technical to tackle.
You are wrong. Apple OSX is trademarked UNIX. CLICK on the Go Menu/Utilities/Terminal and you have the full power of UNIX at your command. Easier, . . Click on the magnifying glass icon in the upper right, type T and Return. . . You are in terminal.
And, of course, being UNIX, Lexinom, you do have to be logged in, otherwise you cannot do anything. iOS is a subset of UNIX and has the same protection built in.
In case you're unaware, the Mac is the computer of choice of most aerospace engineers and computer engineers.
How about computer programers? Hackers, or programers, for example. At the 2011 TechCrunch conference in Hells Kitchen in New York, 500 "hackers," some of the top computer programers in the US, converged to compete in creating new software in a competition.
Why? Because Macs can run every operating system that counts, OSX, UNIX, every version of Windows. . . and every type of software.
So much for your "non-technical" user-base slur. Rocket Scientists, computer engineers, and programers choose Macs, Lexinom.