Sure everyone has different boundaries when it comes to taking risk, but have you stopped to consider that the students taking resort courses are not fully able to judge the risks?
I think you need to see someone (and if you really want a dose of reality, make sure that someone is your buddy) coughing up lung tissue and then come back to this question again and answer it yourself.
I have, in fact, posted here about the "state of training" and my personal experience with watching others who I care about being "taught to dive."
That does not change the fact that for adults we are all free to make our own choices and to calibrate our own risk profiles.
It is not my place to do that for ANYONE other than myself.