A friend of mine has died because of such a supperovercautious attitude of professionals (or may be they just want money for sharing their hard earned knowledge?):

http://www.ksl.com/index.php?nid=148&sid=516496

A 100ft of paracord and some knowledge of descending with rope basics would save his life. I doubt one would have a real climbing gear on a simple walk in the park with him. The gear with 1000% of insurance built-in is too heavy...