The danger comes quite simply because of the lack of guarding in most of the (American) examples I've seen.
Without getting into the mechanics of kickback, if a kickback does occur the material is often thrown bodily upwards and ejected rearwards towards the operator at in the region of 80 to 100mph. Or too fast tobe snle to predict and react. When using a table saw there is a tendency for some novices (and untrained users, like our apprentices) to put their hands too near to the saw blade or even run a hand past the blade, both the result of not understanding the need to keep the hands away and maintsin a stable stance (which you won't have if you are leaning over the saw tabke, or pushing very hard). Keeping hand at least 16in/400mm away from thr blade is simple enough if properly designed push sticks are made up (from scrap softwood skirting, plywood, etc). The next thing novices often do wrong is to stand directly behind the blade - you should never stand in the "line of fire", but rather slightly to one side. Anyway, if a kickback occurs it is easy for the user to become unbalanced, and if pushing the material the tendency is to fall forwards in tne direction they are pushing. In those circumstances most people will attempt to put a hand or hsnds out to arrest the fall - and if the blade is unguarded, guess where the hand or hand can go. So a crown guard mitigates the risk by giving both a visual indication of where the blade is and providing some additonal protection.
I have seen people write that they have never had a kickback. Well good for them. I've been in the trade approaching 5 decades (with no injuries from any table saw operation) and I've probably had a hundred or more kickbacks, often caused by things like hidden defects such as thunder shakes, live knots, resin pockets, glue pockets (in plywood), calcite inclusions, case hardening (badly kilned timber), etc. So it happens. The thing is to set the saw up properly with adequate guarding and position yourself correctly. I think that is called risk mitigation
Edit: Two asides. I am not just repeating a mantra about danger. In addition to being a trained joiner I am a trained wood machinist, so I do have a clue, and a long time ago I did work somewhere we used dado heads for a few jobs (not many, because there were often better and safer ways of achieving the same end)
Secondly, many people using dado heads aren't using them to produce housings (i.e dado rail grooves) across the middle of material, but rather to work edge rebates, in which case a guard could be simply made up by attaching a relatively small piece of timber, horizontally, to the fence above the blade. A moronically simple solution, wouldn't you say?