It's needlessly dangerous to disable anti-virus entirely instead of just Ignoring paths.
Some people will want to use an antivirus program other than Comodo's. Being able to turn off realtime AV protection will allow them to do that. Furthermore, some people may prefer to turn off realtime scanning to improve performance (e.g. I have a computer that I rarely connect to the internet/network, and I like to scan my computer for malware then turn off all realtime security software when I am not on the internet/network. This helps minimize slow down when I work with my imaging and publishing software). These are very specific circumstances, but it would be nice if Comodo allows for easy deactivation of the realtime antivirus for those of us who want it.
CIS can be password protected, which means that the antivirus mode cannot be changed without the password, but it also means that nothing else can be changed without the password.
How about an option that lets you enable/disable certain components of the tray icon menu? I know this does not eliminate the "danger" you are refering to, but it may help keep the option a little less accessible to those who are super-ultra-newbies.