Interesting theory, but I have a difficult time believing that is a realistic UX design goal.
If a user "can accidentally change some settings by mistake without realizing it", do you believe that such a fallible user will diligently switch to Read Only mode every single time they open a record? Who would actually do that?
When a customer or vendor record is clicked, it opens by default in Edit mode (unless the user takes the time to click on More Options -> View). Do you believe that users who open a record in Edit mode will actually click the Read Only button every single time they open a record? That seems like a very strange expectation for users.
On a related note, do real world Business Central end users actually take the time to click on More Options -> View when they want to only view a record without intending to edit it?