The point with these scenarios was not to be a smart ****, it was to illustrate how hard it can be to make good decisions. In the first one, you could save the life and the hand without using a tourniquet and there is absolutely no need for clotting agents. It could be that using a tourniquet - which would be very tempting if you had one - would unnecessarily cost the guy his hand. As has been said before, 99.9% of all bleeds can be stopped with packing, pressure and elevation. In the second one, the wrong use of a tourniquet may cost the girl her life. It would be a very difficult call even for an experienced professional. Tourniquets and haemostatic agents are useful tools for a small number of very rare and specific situations, which takes a great deal of knowledge, skill and experience to properly identify - but even then, particularly in civilian medicine, they can be complex and difficult calls. In the hands of someone inexperienced, untrained and unskilled, they are a liability. A temptation that shouldn't be there.
For the battlefield, it's entirely different. The number and type of wounds that indicate their use are very much higher, being mostly gunshot wounds and traumatic amputations from IED's. On top of that, the medics are under a very real risk from incoming fire, making a quick and effective solution all the more pressing. But even military medical protocols change almost by the week. Sometimes it's yes to tourniquets, sometimes, no. Sometimes timed release, sometimes constant on. They are not trying to do the right thing for each individual, they are playing the percentages. That is acceptable in a battlefield, it's not acceptable in a wood 3 miles off the M4.