It's not entirely unlike the qualified/accredited investor rules which won't let you invest in unregulated securities without income/net worth/certification requirements. No form exists which would allow someone to say "hey, I get why these wall are here, but I understand and am opting out of your protection".

I personally think there should be (I value individual rights/freedom over preventing someone from harming themselves), but I also see why we ended up here. When bad things happen, people demand action and government wants to be seen as doing something.