AFAIK most of the victims actually fall for social engineering in combination with legit apps. If you force developer registration criminals will simply find other attack vectors.
You are restricting a fundamental digital right in exchange for a minuscule reduction in risk.
If, and I do mean if, government is a solution here, its only role is to ensure that app use cannot be required for service ( and we can argue over what services can stay app-only ).
My reading of the Culture novels is that the Minds basically regard the non-Minds in their society as pets or curiosities. The society itself is basically that of the Minds, as no other participants really have the capacity to interface with them on that level.
I have a different reading -- I see the Minds having a very strong moral imperative to give every sentient creature the best possible life, both in a material and psychological way. I see them more like very dedicated servants with god-like powers.
Equal in a sense that every sentient being (silicon- or carbon-based) is considered a valuable part of society with the same fundamental rights of any other part.