Yes, there are some critical limitations so far. If you can't stand up, it won't work, which is a huge disadvantage in a tactical situation. We have a couple of seated variants underway. A version with a handlebar and fuselage-mounted fuel cell has already flown.
Taking off from a parking lot: We can take off from anywhere. We've done parking lots, beaches, boats in rolling seas, piers. What you see is an aluminum stand that keeps it far enough off whatever you're on to prevent thermal damage to the surface and limit the amount of dust & debris that gets kicked up and possibly ingested.
Consumer item: Correct, not likely. The current config is 5 engines that puts it squarely in the "inexpensive house" pricing area. It's a bargain if you need VTOL but can't afford a helicopter or its upkeep. The most likely markets are gov and specialized industry (ie harbor pilot transport, ship-to-ship, ship-to-rig, etc)
The most significant limitation is endurance. It takes a lot of fuel to sustain that kind of thrust so we're currently in the 8-10 minute range with the amount of fuel we carry. In the US we fly IAW 14CFR103 which limits us to under 5 gal of fuel, so we see about 6 minutes of flight time. The seated and cowled variants we're working on can carry more fuel, which of course impinges on available cargo capacity. Everything is a trade.
Accidents: Through the course of development we've had some incidents. No injuries, thankfully. The board is set up to be flyable with one engine out and controllable in a descent with two engines out. We've done in-flight fault injection testing. We've come a long way with redundancy and are no longer limiting flights to over-water.
ETA: I've been spending too much time in GD...I expected the full hate-train treatment. Nice to be around civilized folk.