I don't disagree with your overall point, but I think you picked a bad example.
While I wouldn't wish for my kid to stub a toe at any given moment, I also wouldn't want her to grow up without the experience of toe-stubbing - it teaches a valuable lesson (be careful of where you put your feet!).
But isn't that exactly one of the reasons to play games: to be able to explore dangerous things in safety? Maybe somebody should devise a toe stubbing game...
While I wouldn't wish for my kid to stub a toe at any given moment, I also wouldn't want her to grow up without the experience of toe-stubbing - it teaches a valuable lesson (be careful of where you put your feet!).