Very good point, risk. Risk is multiplied many more times over when it's the difference between an accident and between intentional.

Meaning the AMA has paid many claims for accidents outside of flying. Slip and falls and so forth, but the point is, those are accidents. However when you throw intention into the mix, you've just thrown a rather large wrench in with it.

Again back to the person who gets hit walking in the street not in a crosswalk, an accident. That same person gets hit by driver using his/her cell phone, now it goes from unlucky to victim. Someone who gets hit by an RC plane which was caused by something that had to do with a paintball gun, will become a victim and not an unlucky recipient of an accident.