At the end of the day if you are the pilot you are responsible. If you fly your aircraft into people on the ground then it is no different to coasting your car to a halt on a pavement full of people.
If the people are hidden from view by holes or obstructions, or rushed out in front of you whilst in ground effect then it starts to look more like an 'accident', something the pilot could not reasonably see or foresee. But unless there are some really unusual circumstances it seems hard to justify this forced landing.