I do all of the things you mentioned, plus I use pushers or a crosscut sled whenever possible. It should be impossible for me to make contact, but it only takes a split second of stupidity or inattention to mess up
In theory.
As someone who has used a table saw, you simply cannot account for every variable factored in to having a 10" piece of sharpened carbide steel spinning at 5,000 RPMs and shoving a piece of probably inconsistently structured building materials through it, many, many, many times to accomplish a job. Maybe the sawmill left a nail in there for you: shit happens.
In the immortal words of Jean Luc Picard: It is possible to make no mistakes and still lose. That's why we build things with safety features: to manage those risks.
I think seatbelts should be mandatory, but don't think it's sensible to mandate complex and expensive technical solutions for table saws, when safe work practices can also mitigate them entirely.
But in my own car, I have no problem telling people to buckle up or GTFO (or not, by my own choice). If I allow them to ride unbuckled, I’m voluntarily taking the risk one will try to go through the windshield via my noggin.
When ideals and reality go against each other, reality has a nasty habit of winning. And honestly, if seatbelts and table saws that don't cut your fingers off are such an authoritarian affront to one's freedom and personal responsibility, then so be it.
Civil disobedience is always an option to those who absolutely hate this idea, but then they should take their "personal responsibility" and "bodily autonomy" and not be shocked if they have to face the consequences.
It's really simple to use a table saw safely: don't ever get physically close enough (by far!) for the spinning blade to cut you, or stand where it can fling something at you.
Then even if there's no riving knife and blade guard it's not going to ruin your day.
This means that you'll sometimes need to build a small jig to push wood into the saw, but usually you can just use a long stick to push the wood into it.
Every single table saw accident video you'll see is people who've clearly become way too complacent with them, or are trying to save themselves a few minutes of setup time.