Bankrupting everyone who does business by making them repay 300% of earnings is unreasonable.

The liability shield is too strong though so I do agree it’s causing problems.

The socialized losses vastly exceed 300% of earnings - they're analogous to a company mishandling toxic waste and ruining everyone around them. The way they are running their business is catastrophically irresponsible, and if they can't afford the consequences, they shouldn't have gone into this business.