[fc417fc802]

If you offer compensation then of course you need to consider your risk exposure, ie total users. That's similar to a lottery where the central authority is concerned with all payouts while an individual is only concerned with their own payout.

Outside of brand reputation issues that is not how real world products are designed. You design a tool for the specific task it will be used for. You don't run your statistics in aggregate based on the expected number of customers.

Users are independent from one another. If the population doubles my filesystem doesn't suddenly become less reliable. If more people purchase the same laptop that I have the chance of mine failing doesn't suddenly go up. If more people deep fry things in their kitchen my own personal risk of a kitchen fire isn't increased regardless of how busy the fire department might become.