Recently I have noticed a number of questions on SO that look something like this:

I am writing a small program to keep a list of the songs that I keep on my ipod. I'm thinking about writing it as a 3-tier MVC Ruby on Rails web application with TDD, DDD and IOC, using a factory pattern to create the classes and a singleton to store my application settings. Do you think I'm taking the right approach?

Do you think that we're handing novice programmers a very sharp knife and telling them, "Don't cut yourself with this"?

NOTE: Despite the humorous tone, this is a serious (and programming-related) question.