Actually, you'll find that plenty of "adults" will shoot at f1.4 or 1.8 when they need to. It's surely better to have a softer image with limited depth of field than no image at all, if for whatever reason you can't use flash or faster film.

I shot most of a roll of Ilford Delta 3200 at f1.7 for a party last year, the results had a '60s concert look (very popular with the Mod-inspired DJs) and meant that I didn't have to keep hurting people's eyes by firing a flash in a relatively dark room. They were grainy and a little soft but captured the atmosphere and looked pretty classy.