For the sake of fun rounds where you do not want to lose a disc, I would agree.
However, I have been in two scenarios where that should not be the case.
First, should someone who is rated just as high but has gained that rating because of accuracy and not distance be automatically forced to bail out and possibly be already a stroke behind? Or should that player who is rated just as high play in a lower division so he or she can play from the shorter tee? In one case he or she is at a disadvantage, in the other case he or she has a huge advantage.
Second, and more often my predicament, what if I can drive with the higher ranked players but because of my putting I do better overall in a lower division? I know it sounds slightly demeaning, but I personally do not like being "babied" with the short tees because my putting keeps me around a 915 rating. Risk versus reward should come from my shot selection and execution, but not from deciding which tee to use.
Then again while I am writing this, and again not to sound demeaning, I realized I am using Minnesotan logic in hole design where for better or worse most Minnesotans prefer to play from the long tees regardless of the circumstances.
You make a valid point. I do not think anybody should be scared to play in a division or the opposite, being babied because they can't putt.