For people who play the game purely on a recreational basis, there is absolutely no need for them to use BRM. Just let them deposit $200 and spew it away or turn it into $2000 on NL200 or something.
More serious players (can still be recreational like pointed out by others) should definitely use some sort of BRM though, imo.
For anyone starting out and looking to climb up in stakes, I think it would be a mistake to be super conservative with their BRM. Using 25 or 30 BI is probably more than enough. Using anything more than this usually only prevents you from improving at a good pace. You may have to move up and down a bit more often, but there's nothing wrong with that. In fact, I'd say you can learn quite a lot from moving up and down the stakes.
There's some people that use 50 or sometimes even more BI when they play NL5 or something. I'd say that's just wrong in every way imaginable.
For anyone looking to make a living off of playing poker, they probably should use a very conservative BRM. I don't make a living playing poker though (yet
) so I won't comment any further on that.