Nick, nothing wrong with your design philosophy except that many can't afford it. If you were writing international certification standards I'd be very much on your side. Lets only make good product, from now on. Unfortunately, people don't want to spend $10 million on a training helicopter. Hence we have training helicopters that have noticeable accident rates in areas that designers could have prevented.
For the foreseeable future, helicopters will continue to carry a pilot. It is not a legacy item, it is a necessary piece of equipment that can override the errors of all the other pieces. Until helicopters are reliably designed without pilots, the pilot will be responsible to follow limitations. Whether a limitation is the result of an obvious efficiency in the design stage or if it is a compensation for a deficiency will be up for debate.
It's funny how helicopters seem to rely on piloting skill so much more so than fixed wing aircraft, yet the limitations to prevent Jack Stall are akin to the most accepted limitations of fixed wing aircraft: g limits. Yes, modern aircraft prevent the pilot from overstressing the machine, but almost every fixed wing aircraft I've flown had g limits that were easily exceeded by inciting the conditions that lead to Jack Stall.