That's not how economics works. I can't do my job without a computer or glasses but that doesn't mean I can pay the suppliers of these things most of my salary each. Preventing a 100k€ problem says almost nothing about what the payout should be. As for them just causing chaos for fun, that nets them just about nothing (what's an evening of fun worth, like what are you willing to pay for a cinema ticket?). This is certainly more (hundreds of times more) and so covers that risk as well