N5528P, I think you have missed the point here Bernhard, a helicopter flying without an external load does not present the same risk as a helicopter flying with an external load.
External loads are notoriously fickle and sometimes they need to be jettisoned for the safety of the aircraft and sometimes bits fall off them and, as in this case, sometimes the load slinging equipment fails/malfunctions. That is why overflight of people, structures etc should be avoided as much as possible when carrying out external load operations.
A heli going into a hospital still might crash on finals over a road but the likelihood of it happening is tiny compared to an external load incident.