Permit users to store rich text

Our requirement is for a team of users to edit text narrative for report pages, without being able to modify the overall page layout or content other than their text card.  

Option 1: Currently one needs to be a Page Builder to enter rich text on text cards.  Provide an option for (non Page Builder) users to enter rich text in text format line items.  This will give users ability to control formatting of their text content without being able to change how the overall page is formatted.

Option 2: Differentiate security between different page builders, so that one page builder can create a page template and another can apply that template and (only) edit content of a text card within that template.