Interesting that you mention the Gimli Glider because the disused runway they went for was also occupied by people on the ground. They had no option but to continue the approach. So is there a point where the number of passengers on board absolves you from responsibility for people on the ground because you have a greater responsibility for your passengers on board or does having two engines absolve you from responsibility because you don't have the responsibility of a single engine pilot of always thinking about where you are going to land if the engine fails?