Exactly. It's just like teaching kids about all the other large and small dangers of the world. During the short time the clover is in bloom, they should wear sandals and/or watch were they are stepping. It's an excellent opportunity to teach them about what bees do, and why they are so important in the grand scheme of things.
A lot of people have an almost irrational fear of bees and wasps, yet they will unhesitatingly drive on the freeway and engage in other everyday risky behaviors. I love to amaze the neighborhood kids by gently "petting" bumblebees (a warm day, a good nectar/pollen source, and a gently touch, and the bees will ignore you) and teaching them how to peacefully co-exist with these creatures. If you don't panic and flail around, the bees and wasps generally would prefer to leave you alone as well.
If you inadvertently disturb a yellowjacket nest, it can be a bit problematic, I admit. If you are allergic to the venom, you have a legitimate cause for concern, of course, but otherwise, what's the big deal? I have loads of flowering plants, and rotting fallen fruit in the fall, and I get stung perhaps once a summer, if that. It hurts for a bit, then it goes away.
Sue