I don't think we live in the same realities. Where I'm from, insurance does everything they can to not pay or pay as little as possible and corporations have a team of demon-spawn lawyers who may or may not be sentient hivemind colonies of bugs and snakes wearing human skin-suits tasked with ensuring the company has as little liability for everything as legally possible or are at least able to drag out lawsuits long enough to bankrupt the prosecution.
Have you ever seen those barriers that won’t let the shopping carts off the sidewalk? Some prefer not to deal with the potential liability (they acknowledge responsibility by having corrals and cart jockeys). Plus 500 (re strike 1,2,3).
