That’s not true at all? There are companies like Levels who sell CGMs to non-diabetics to try and optimize their health.
What was the potential harm that was greater than the reward?
It's like, not being obese enough for your insurance company to pay for medical intervention doesn't mean that your weight is optimal enough to enjoy a long retirement.
It’s probably very low in the context of CGM and diabetes as the potentially harmful treatments require prescriptions.
Device prescription requirements are usually due to product labelling and the manufacturers application. There are OTC fingerstick glucometers and CGMs approved.