I get your point but don't plan on ever riding up a 20' face where I, then my bike could fall on me. I don't ride the world circuit so that's not an issue for me or for 99% of the members on this forum.
I'm sure the rules are for insurance purposes and probably won't be changed any time soon.
It just seems to make sense to me to wear a helmet designed for slower impacts than one that is designed for highway speed impacts. My pea-brain needs all the help it can get!