I agree with you as if the 14 and 12 only fed fixed amount loads such as light fixtures that have a fixed amount of sockets that cound not possibly overload the conductors as they would still be protected for fault current.
But in no way could I call it safe if these undersized conductors are feeding receptacles where there is no controlled load, sorry but because the home owner could easily load these conductors to the 30 amps without ever tripping the OCPD, and we know that wire failures are not in the middle of the circuit but at the termination which would subject each termination point to a very high heat condition so as I said, not safe feeding receptacles.
We might as well go back to using 30 amp fuses like we find all the time.
Not sure it's so borderline if they feed receptacle loads