The term "formalization" doesn't seem to fit (it's something more like formulation of an argument), and I'm not sure propagating Goetzel's term "Scary Idea" is a good idea.
Good point - I changed the title of the document. (I'm letting "the Scary Idea" remain in the topic of this post, so that people can quickly see what this thread is about.)
Here's my draft document Concepts are Difficult, and Unfriendliness is the Default. (Google Docs, commenting enabled.) Despite the name, it's still informal and would need a lot more references, but it could be written up to a proper paper if people felt that the reasoning was solid.
Here's my introduction:
And here's my conclusion:
For the actual argumentation defending the various premises, see the linked document. I have a feeling that there are still several conceptual distinctions that I should be making but am not, but I figured that the easiest way to find the problems would be to have people tell me what points they find unclear or disagreeable.