Jim,
I understand what you are saying!
I've been at this for a lot of years. Been on both sides of the fence.
I prefer trackside! It's been awhile.
With the way autocross is around here; the spectators are right there on the course with you.
I would feel much worse about hurting someone else, than I would myself (or the car).
A car is just a car. It can be replaced.
I don't worry about me so much, because I know that I will have the safety of my roll cage, belts, and helmet.
The small amount of money it takes to help keep everyone around me safe...............
Priceless!!!