If you want to get really worried, our law in NZ actually allows us to Hot Refuel, with Pax onboard and no pilot at the controls...
Wouldn't do that myself, but i get out of the helicopter with rotors running hundreds of times every year. Sometimes i have to refuel myself, sometimes just to stretch the legs. If you actually looked at all the times that Ag/Utility pilots jumped in and out then you would probably find that, if done correctly, then it is a perfectly safe thing to do, it is just the few idiots that leave the helicopter running at 100% and hop out, tend to ruin it for everyone.