I'm a private pilot with rotorcraft rating as well as frequently a passenger and there's nothing I'd rather not have happen than a DJI Phantom through the windshield, and I don't think the FAA's actions are helping. By attempting to ban actions that are clearly not unsafe they're promoting disrespect for the law and crippling development of the drone industry in the U.S.
What they need to say: no UAVs above 400' AGL or within a mile of airports, or whenever aircraft are operating in the vicinity (without mitigating controls). The commercial/non-commercial distinction is irrelevant.