I mean...if you kill yourself that's bad, yet it's your own business. If you lose control, jump the median and crash head on into a mother of 5 driving a geo metro - well, that's other people's lives, you know?
There are 2 reasons for the governor at 95mph. One is the aerodynamics of the vehicle (or lack thereof), another is the limit of tires. At higher speeds the construction of the tires is not able to withstand the centrifugal force that the spinning tire creates and it literraly rips itself apart. Where do you think most high-speed crashes come from? It's mostly lost control due to exceeding the limits of the tires.