[hlandau]

These are valid concerns, but they're not good reasons not to provide general-purpose compute HSMs. If you want an external company to have certified the software, the policy which goes on a general-purpose HSM, that may be entirely sensible from a business perspective; I'm sure if general-purpose HSMs were a thing, with standard HSM platforms, such certified programs would be available on the market. Many would probably be made by the manufacturers of the HSMs themselves, providing a vertically integrated solution, support-wise.

Fulfilling this market, with the need for the outsourcing of liability, etc. is not mutually exclusive with providing general-purpose HSMs.