HDMI sound inactive by default : manual fix is a risk

I do not understand you

a less savvy user can mess up his installation by corrupting udev system files

It is risky to change udev system files in /usr/lib/udev/rules.d,/usr/local/lib/udev/rules.d as that could risk hardware problems
But the local local administration directory /etc/udev/rules.d is only likely to have a few very specific rules

This rule relates to Manjaro Hardware Detection (mhwd) to configure prime for a hybrid nVidia GPU. Users new to Manjaro are not likely to know about this manjaro-specific package and would some assistance from other users who know this package

The OP who started the discussion has a high reputation score on stackexchange, so probably not a 'less savvy user` . But other users managed too work it out too:

No Display Port Audio from Graphics Card after Update - #7 by Ozeki
Thank you , this worked for me !

No Display Port Audio from Graphics Card after Update - #17 by robinfliva
Worked like a charm!

No sound over HDMI after Nvidia driver update - #27 by axel
now my hdmi sound work perfectly

This is a well verified solution that seems to be within the capabilities of users

some people don’t have a clue what to search for

This command will find the udev rule with the correct vendor and class keys (if it exists)
and show the filename, line number and text

grep -En '0x10de|0x040300' /etc/udev/rules.d/*.rules

I do find it fun to be able to help someone have unhindered access to audio (and keep the remaining brain cells limber)
I would not be doing it if it wasn’t fun because there is no fame or money and not much appreciation to make it worth the effort

I do not know of a way to deactivate this udev rule without having root privileges
This command has more brevity than the suggestion in the previous topic, but it still requires sudo

sudo sed -Ei 's/SUBSYSTEM=="pci", ATTR{vendor}=="0x10de", ATTR{class}=="0x040300", ATTR{remove}="1"/s/^/#/' /etc/udev/rules.d/90-mhwd-prime-powermanagement.rules