DAN won't stop an accident from happening, but it'll sure help you pay for one.
I know that some peoples' health insurance won't cover dive accidents because it is considered an "extreme sport". I for sure would not risk that myself as I know that if I did get bent without DAN, there is no feasible way I'd be able to pay my chamber visit off anytime in the near future. I have enough college debt without adding hospital debt to it.
But maybe you disbelievers all have a more forgiving health insurance policy than me. If so, all the more power to ya, and good luck.