[dsl]

If you use the controls that slide down from the top of the screen (I'm at a loss as to what Apple calls it) and "disable" Wifi it simply disconnects from the associated AP and won't reassociate. It will turn itself back on at 7 AM tomorrow morning.

"Disabling" Bluetooth is similar, it will disconnect from paired devices, but BTLE is still available.

You have to use airplane mode, or go in to the Settings app to fully disable it. If that isn't discouragement, I don't know what is.

[duskwuff]

The behavior you're describing is only present on iOS, not on macOS.

[liability]

Yeah that must just be iOS, I've not experienced anything like that in MacOS, nor even noticed any difference from how it used to be years ago.