This is seriously the stupidest rule ever. So the back up keeper for the USWNT isn't an Olympian? Or a back up player for Team USA Basketball? Of course not. They are Olympians, but you're not getting into the game unless Curry or Lebron suffer an injury.
Fiona is an Olympian, period, whether she started the race or not. We have a tough sport, and pushing the boundaries to get into the shape of your life for the Olympics entails risks.
On the other hand, perhaps this is the most AAU/TAC/USATF possible way to do things: motivate your athetes to NOT be at their best for the Olympics by incentivizing them NOT to train as hard as possible.
Yeah, I type that out and it sounds about right.