"Moral Hazard" and an unfortunate analogy to our society at present. A litany of rules attempting to regulating everything to the lowest common denominator that lull people into believing that if they can do it, it must be ok. If they can buy it, it must be safe/legal. If they can eat it, it must be clean. If they can follow that closely to the car in front of them, it must be possible to stop...
Anarchy isn't the answer, but a police state, private or public, is just as bad.
People need to understand at every level that they are responsible for their actions. If they believe, even for a moment, that the club or government has taken "every precaution", then they or someone else is going to get hurt.