That's just human capability elicitation.

Having "skin in the game" doesn't somehow make a human surgeon more capable. It makes the human use more of the capabilities he already has.

Or less of the capabilities he has - because more of the human's effort ends up being spent on "cover your ass" measures! Which leaves less effort to be spent on actually ensuring the best outcomes for the patient.

A well designed AI system doesn't give a shit. It just uses all the capabilities it has at all times. You don't have to threaten it with "consequences" or "accountability" to make it perform better.