Dude, it's not an "insult". It's a generic term for "people who don't understand how cookies work". Insulting me doesn't help your argument either.
I'm arguing that this will not be a simple solution once implemented. Sure, lots of people understand how to allow or deny cookies. But this solution seems like you'll have to do that for every site regardless. Either that or a default deny, as another poster suggested, and then users get asked - and then we're right back to where we started.
This very much on the definition of "harmless uses", and that's very subjective. A simple yes/no would also allow or deny login cookies, too. It can't be a simple yes/no.
I don't think this will be any kind of workable solution.