You bring up a great point. Historically I have allowed my kid to play his own RTTS character on my PS4. I have the same concern. I believe that this is simply one of the aspects of the new design decision which SDS either (a) didn't consider or (b) considered and judged the benefits of the new design to outweigh the negatives.
Given that they've said the archetype model is here to stay and will be what they will be building future generations of the game upon, I think unfortunately we are rather stuck with it. Unless we simply choose to take a pass.
But anyway - great post!!