If there are indices configured, creating a bulk-load cursor should fail. The check probably goes into the table initialization code?

Right now, bulk cursors are only checked when a file: URI is being parsed, that is, there's no such thing as a bulk cursor for a table URI. That's probably wrong, it's not unreasonable to bulk-load a table, as long as the table's key is a string or record number, and the table's value is a string.