I think you have to seperate between two uses:
If a DMM is going to be used on household mains then do yourself a favour and get a CAT rated one from an A brand like Fluke or Keysight.
If a DMM is going to be used on low voltage (<=48V) and low current electronics then you can use any DMM you like.
The user being aware of the dangers is a totally different story. Simple rule: 'don't mess with mains unless you have had and education/training so you know the rules and dangers'.
The problem is that a beginner doesn't always recognise dangers correctly. A good meter helps keeping him safe. Elsewhere, someone gave a car battery as an example. It's just 12 volts, but a lot of amps, and might easily catch a beginner out.
There are always ways to stupidly hurt yourself, but making inevitable mistakes hurt less is key.
And similar to my previous post on the previous page, I don't agree on this statement at all!
In fact, I believe it's very dangerous advice.
A good meter, or machine or whatever doesn't safe lives!
If the situation is so dangerous for a beginner something else than the meter would be already a much bigger problem.
Especially if you don't recognize the dangers!
But like other people already mentioned, a normal 'hobbyist' will never ever enter those high CAT rated situations.
Why? Because you're simple not allowed to enter these areas without permission (actively checked, or passively secured)
Maybe, but just maybe, the only potential dangerous situation, is working on your own fuse/distribution board/box. which is allowed in some countries, the rest is all CAT II and CAT I.
If you do anything else, I think (but correct me if I'm wrong) you're in violation and probably committing a 'crime'.
So if you do harm to yourself or someone else, you have a very big problem anyway.
Which automatically solves the whole issue.