"As for the rest; that's what we have to work to whether we like it or not; a good reason to have adequate Public Liability Insurance that covers what we do, and then be able to leave all that philosophy to the people who work in that system."
Unfortunatly it is just this attitude, which facilities the continuance and even the setting up of systems , while legal, are wholly unethical.
In this system, the public (FYI: that's you and I) who can afford to pay to minimise their paranoia, brought on by marketing and urban myth, end up paying out over time, huge amounts to "protect" themselves from the faint possibility of a future claim against their assets.
Once again this has the stink of market economics/user pay's, where the Gov has abdicated responsibility for what should be a centralised system. In a civilised system, we would still pay (taxation) but, individually, less. All would be covered equally (no dollar rules). The injured would be supported for as long as, to the level necessary, for the best quality of life that could be expected (no one-off payouts).