It’s not as if the options in question are named confusingly.
You can’t choose something like “Abnoramalzing Some of the Matrices” * and it would wipe your phone.
You can choose to “wipe” or “format” something called “data”. Surprise: That will wipe or format some data.
You can choose a “factory reset”. Surprise: That will reset the phone to the state it was in leaving the factory. Well … not really, but in this case the name is more intrusive than the function it executes, which is no major harm.
(* Fun splash screen message of Discord, one of many.)
You don’t need to be a computer expert, but you don’t get around taking part of the blame when you’re not knowing what you’re dealing with and something goes wrong.
I am not an expert regarding the details of how a car works. But I have a driving license and thus a basic understanding of what a car is, what harm it can do to me and others, and what is what in the car, and how I theoretically operate all that in a safe manner.