[isityouyesitsme]

We assign fault precisely so that we know who to extract damages from. The burrito assembler is not going to be held liable for bad outcomes when they did everything right.

The mere fact that there are damages to extract means that someone was already damaged, not merely that we want to punish someone. If my neighbor is poisoned by food, I do not have standing to sue in my own capacity because my neighbor was poisoned. At this point, the moral question is whether or not you should be able to extract damages when you can show that you are damaged. Essentially every society has said "yes, of course," even though the specifics of what constitutes damage and recompense differs.

Why do people not universally (or at least generally) tend toward making Fail-Safe systems? I don't know, but they just do not. They must be compelled to.

Call it original sin or prevarication, the second law of thermodynamics, evolutionary inclination to save effort, whatever. But humans just default the opposite way of what you're saying.