Most decent drones these days are GPS enabled. Is it too much to ask for appropriate Legal No-Fly Zones to come pre-loaded? I'm pretty sure you could put the entire worlds Airports no-fly boxes/circles onto a single microSD card.
You could easily legally restrict drones to no-fly without "Permitted Zones Data File" for appropriate country/area. And you could get your "Permitted Zones Data File" (locked to your serial Number) when you buy your insurance from BMFA. (Data File Could also expire with 3rd party insurance.)
Sensible laws are what is required not knee-jerk bans.