Nigel,
Options 1 and 2 exist already. And a third option also already exists - 'cancel the trip'
If people are happy to push those existing options too far (sometimes without event other times tragically) I for one would be unhappy flying IMC amongst singles lacking the same levels of equipment. (TCAS, Wx radar, SAS etc etc etc)
I've seen singles flying VMC on top for protracted distances and know of those that will fly IMC through cloud, many of whom have never held an IR. Your Option 3 won't help those individuals gain any more common sense or respect for aviation. In fact it will probably convince them they are even 'greater' pilots.
