@ WARNING: REMOTE HOST IDENTIFICATION HAS CHANGED! @
IT IS POSSIBLE THAT SOMONE IS DOING SOMETHING NASTY!
Someone could be eavesdropping on you right now!
Then, yes, users will be prompted in the scariest possible language.
Compare this with HTTPS/browsers, which care not a lick if a certificate/fingerprint is different, provided that the certificate is valid and the chain is trusted.