If you were cutting large stock without the insert and fingers aren't near, it's probably OK, but I would never cut anything small without the insert. Without support under the wood, it could get dragged down suddenly and fingers could touch the blade. Ouch!! The part below the blade is a finger guard, they get damaged by the blade touching or bits of wood pulled down by the blade. They have to be designed to allow the table to tilt. On my bandsaw, it would still be possible to touch a running blade, but difficult to chop a finger off