Jim Macklin wrote:
A [the] minimum altitude must be high enough to allow you to
maneuver and land safely if the engine fails and never lower
than 1,000 feet above the highest obstacle/building within
2,000 feet laterally.

You're doing it again. I'm well aware of what the FAR states, I'm just
unclear as to how flying over a city violates it. I've routinely flown
over Chicago, never less than the required MSA and always with a landing
site in mind.