And those "idiots" still get run over or couched. Nothing is foolproof.
Charge damage is minimal, you should know this, if I kill someone with my horse, than he only has like 1% health left.
Couching is very dangerous, anyone can sidestep and slash you and your horse. Most of the time resulting in death.
Like I stated before, only unaware people get hit properly. Cavalry does nothing special in a one vs one, it's even worse than playing on the ground. In fights where the enemy is engaged, cavalry, just like pikemen and similar classes, perform a key role in killing the enemy.
Yet somehow the devs think that the whole class is overpowered. Yet the only OP thing was (and still is!) the heirloomed Arabian Warhorse.