Obviously, receiving the Eucharist unworthily is not something we want to casually dismiss or encourage people to do. But you are right; it is nearly impossible to engage in these discussions without coming across as judging the state of the souls of a large percentage of the Catholic population (even though I’m sure that’s not the OP’s intent).
I always remember that Jesus
chooses to make Himself available to us in the Eucharist. Just as He made himself vulnerable to ridicule and death by becoming man, so to he makes himself vulnerable to abuse by taking the form of bread. He’s a big God. He can take it. He obviously thinks we’re worth it to open Himself up to such mockery and desecration.
I figure if this was a good idea, our bishops would be all over it (or perhaps at least
one bishop would be). People can certainly think about it all they want, or even bring the idea up to their local pastor or bishop. But I really don’t see it gaining much traction. The only time I encounter such discussions is here on CAF.