Again, this isn't always how it works either. For example if a set of extraordinary conditions occur you can have little to no liability in many cases. It is way more complex than you're making it out to be.

I don’t know what your “again” is about - you haven’t been speaking to me here, but no, it’s quite simple and every major court case in the US has ruled as I described based on existing law.

It is not more complex in “many cases” at all.