Offloading the work of law to insurance companies rather than retailers doesn't really sound like we're making any progress.
Sidebar: this is super common btw, had more than one law professor go on a rant about how all the CS people in their courses just want to push everything to the actuaries and create a de-facto court system within insurance.
Insurers already do this... They don’t insure risky companies or they have to charge such a high premium that constantly failing and restarting is not cost effective. I think most complaints here are from people trying to buy legitimate products.
I agree. How do you jail a foreigner? You can’t even class action against sellers nowadays to protect the other buyers because of forced arbitration agreements. But if they had to be insured, the insurance available would be non-existent.
Sidebar: this is super common btw, had more than one law professor go on a rant about how all the CS people in their courses just want to push everything to the actuaries and create a de-facto court system within insurance.