These are two different problems. For example, I definitely care (and I would argue that the vast majority of riders care - no one wants to die out there). But you are right: I might be that rider that doesn’t recognize it. Because, by definition, that rider doesn’t recognize it.
I don’t THINK I am. I have taken many precautions - I bought a good horse and prioritized jump and gallop before flashy movement; I train and base with a coach that knows what he’s doing and has produced double-digit numbers horses and riders to well above my level; I took some time to train with (and realistically, be evaluated by) a world-class coach that definitely knows what she’s doing before I did my most recent upgrade; in every instance I have waited for my coaches to be the ones to suggest the upgrade, not pushing it myself and certainly not threatening to remove my business if someone didn’t give me the green light.
But if so many people here see this issue so often, I am left worried that maybe I am that rider. Because someone is. And it’s clear that the people here who see that unaware rider don’t say something when they see them - so maybe it is me? Maybe it’s my best friend? To be clear, I’m not casting blame - there are a million reasons to expect it might go over like a lead balloon to walk up to a stranger and say “I think you are putting yourself/your horse in unnecessary danger”. But I think this is a cultural change we should try to focus on. We should welcome input from people who may see a section of the course that the TD/your coach/your barnmate has missed. Every pair of knowledgeable eyes is valuable. I WANT someone to tell me if they are worried about me out there. But short of hanging a sign around my neck inviting criticism, I’m not sure how to assure people that it’s safe to speak up and try to save my life.
There are a lot of suggestions on here that are out of our control as individual riders. I can’t control which venues install a Modified, or whether the USEA comes up with a way to certify riders beyond a certain level. But I can make sure that no one who ever shares an honest opinion with me is made to regret that decision. I hope we all can commit to that.