Prevent Users From Deleting, Inserting Rows and Columns Without Protecting Worksheet

Hello, is there a way to prevent users from Deleting and Inserting Rows/Columns without protecting the Worksheet?

The reason I don't want to protect the worksheet is because when someone pastes something into my worksheet, it defaults it to "locked" and then they are unable to use the cell again.

I know that there is no workaround with "Match Destination Formating as Default" with "Ctrl + V". I have been using a marco for Ctrl +D.