Flying over densely populated areas, around other aerial operations, and over property is obviously more dangerous than flying in the middle of nowhere - there are approaches to risk mitigation that aren't "teach people how not to crash."
I think these should be regulated, even though I own and fly several quadcopters and fixed wing planes regularly. Model aircraft have gone well in the US for the last 30ish years because people tend to self-regulate and the hobby hasn't been very big. Now that every Silicon Valley joker wants in on a perceived gold rush and DJI Phantoms work well and are available for a relatively low cost, hobby flying is moving into dangerous populated areas and the density of R/C craft is increasing.
I don't trust the FAA to correctly regulate these, and I see a very depressing day where I won't be able to fly as a hobbyist, but I also see an unregulated future where regulation-skirting companies (maybe they'll "crowdsource drone pilots" or something similarly "sharing economy"-esque) accidentally hit people with drones and basically say "so sorry, sucker!"
As for your latter point, that's basically what happens here, too. Lots of TV and commercials are filmed using drones, but the production company either sells the footage as "found footage" or rents out some non-drone piece of equipment (camera, memory card, etc.) from a drone owner at an exorbitant rate with the understanding that the rest covers the drone rental.