This is my take on the subject .........
Narrow rims tend to make a wide/high-tyre "roll" when you're cornering. So the issue is really "stability at highway speeds" (particularly when cornering) rather than "tyres coming off rims".
And if you read brochures put out by tyre manufactureres (like BF Goodrich), they often specify minimum rim widths. So the installers who refuse to mount tyres are usually just obeying the guidelines set by the tyre manufacturers (and so they can't be blamed because they fear lawsuits in the event of accidents).
And the tyre manufacturers themselves have to be cautious (especially in todays climate where people like to shift blame around) when they specify their minimum rim widths.
But short-wheelbase high-centre-of-gravity 40-series cruisers basically "handle like sh#t" (even in comparison to the BUSES I drive every day). And this "inbuilt instability" has far more influence on "road manners" than fitting such wide tyres on 5.5" rims IMO.
BF Goodrich say my 5.5" rims are too narrow for my 235/85 R16 tyres but I believe after decades of driving my BJ40 (with all sorts of tyres fitted to it) that my present tyres have no negative influence on the handling of my cruiser (above and beyond the skittish-behaviour it already exhibits from being ultra-short with a high centre-of-gravity).
In fact, I believe my modern radials now are safer than the 7.50 x 16 crossplys that my cruiser was sold new with.