Why is it even possible to disengage the safety protocols ever, under any circumstances? I mean, it definitely adds to the plot, but in real life I think it would be impossible to disengage that protocol. For god's sake, kids use the holodeck.
Some "power users" just don't like programs where they can't lose, can't be hurt (or even killed), or can't fail. Being able to turn off the protocols makes it more exciting and dangerous. Why shouldn't users who know the risks, have the right to do so?
If kids use the holodeck, then they can leave the damn safety protocols on.