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You can, but if forgetting to flip a switch can result in death, then you need a stronger safety control
Someone incompetent enough to forget to shut off the main shouldn’t be operating a generator anyway.
That’s not the point. Normal, sensible people make mistakes because they are tired or stressed or got distracted or just plain unlucky, so things have to be designed so that people can make a mistake and it not instantly create a potentially lethal situation
I don’t think you completely understand what’s being discussed here.
Someone who’s not competent enough to install a proper transfer switch (or at least hire a professional to do it) shouldn’t be operating a generator.