Please let customers opt out of your proposed protection, if they want to.
(And it sounds like that's already the status quo. So perhaps you could use your time to figure out where you can cut obsolete and cumbersome regulations instead of adding more mandatory bureaucracy that customers evidently don't want enough to pay for voluntarily?)
There might be an argument to be made about negative externalities. The economic standard answer is either let the Coase Theorem sort it out, or to tax the externalities. Not to ban what you don't like.