I reluctantly agree that flying over people isn't a good idea. Your bird falls out of the sky and hits someone, and things will get really bad really fast. Me? I'm constantly tempted to get some video of the town I live in, but I resist.
I am a thrill-seeker. I'm a wildlife photographer, and piloting the P4 has opened up worlds for me.I'll fly really close to my subjects ( primarily birds) and fly with them, usually in sport mode. The worst thing that can happen to me is I drown my P4, or intentionally ditch it to avoid a collision with the birds I'm flying with.
Regardless of all of that, where I fly and how I fly only presents risk to myself.
I'm not being critical, I'm being pragmatic. Is it worth it should things go wrong? I'll assume that you have your FAA registration number on the bird. I'll also assume that there's a paper trail that would lead to you. That, and if the worst does happen, and if you get away with it, you will still have to live with fear every time the door bell or the phone rings. That, and you will spend your entire life living with the guilt of what you've done.
If the space shuttle and countless aircraft can fall out of the sky, so can your drone.
Cheers