ABDG
I understand your argument re night flight and what would be an accident out of your control ! That's a different matter.
To take to a field with a number of kids and a reasonable chance of hitting one is in your control!
It's a risk you would make a desicion on to save yourself.
That is very different to loosing an engine at night and hitting a house or people on the ground who you did nor know were there. That is an accident out if your control.
Pace