You're completely right, Doc.... Not that it changes anything, of course.
It would seem that there's a nice little system that serves primarily to support itself:
1. Person gets hurt/killed.
2. Lawyer gets into the ear of the person who's suffering*.
3. The Sufferer then sues the organiser/land owner/who-ever.
4. The Organiser/Land owners/Who-ever's insurance company rolls over, and pays out the claim, not matter how unreasonable.
5. The insurer then refuses to re-insure the O/L/P because they're too high a risk.
Alternatively, it does go to court, a whole heap of highly unrealistic expectations are applied, and there's a greater than average chance that the insurer will pay out anyhow...
I hate it all. The sooner we have a state-run fund to pay the expenses of people who are accidentally killed or seriously injured, the sooner our legal system and insurance market can return to some form of sanity.
And yes, I'd be more than willing to pay more tax to cover it.
*I refuse to use the word "victim" in this context - undoubtedly some people are victims, but equally, some people are also greedy, selfish morons too.