Not disagreeing with you here Lex, but I wonder what happened to the pilot. My question was leaning towards such instances where a huge net is thrown out in hopes of a payday, i.e. - McDonald's getting sued for millions for hot coffee in the lap of a drive thru customer. Or Kroger (and most employers) having to have a "no employee with firearms" rule due to the possibility of a lawsuit. I'm talking "personal" responsibility more than the bulk of the burden being placed on the employer.
The "McDonald's case" is the biggest example of puffery pushed by insurance lobbyists relying on public ignorance and gullibility. The coffee served was extraordinarily hot, much hotter than would normally be served. Others had been injured previously and complaints were ignored, the plaintiff suffered 3rd degree burns over 6% of her body, further lesser burns over 16% of her body, required skin grafts, and lost 20% of her body weight while hospitalized. McDonald's refused to settle for the $20,000 in medical expenses and lost wages requested and offered her $800. After refusing to negotiate with the plaintiff, McDonald's was sued and the plaintiff was awarded $640,000, but later settled for an undisclosed amount less that $600,000 to avoid further appeals. Of course many people never sue or get any award despite clear liability. But the insurance lobby has spun its story well and never bothers with any actual details.