On the very few occasions I have done a 45 degree banking turn on a sight seeing flight at 1500 feet it hasn't been a 360 degree bank more like a 100 degree turn & at full power. That to me isn't reckless & if peoples safely margins are such that they see it as dangerous then I'm surprised they can even get out of bed in the morning & face the danger's of day to day living.
Years ago my instructor made a sharp bank over his friends house when he spotted it, I can't recall what angle of bank it was but close enough to 45 degrees & around 1500 feet. With stall practice I've always known I need to recover by 2500 feet & not to perform stalls over built up areas etc, same deal with max rate turns etc. I can't recall ever being told to take the same precautions with 45 degree banks.
I've just never looked at them as being potentially dangerous maneuvers like stall practice, max rates etc.