I think the difference is that the types of problems caused are kind of second-order effects based on co-ordination, rather than individual actions that each de

I think the difference is that the types of problems caused are kind of second-order effects based on co-ordination, rather than individual actions that each device is taking that is 'bad'. So yes, air plane manufacturers might have insurance to cover them for all of their planes being down, but it's probably limited to the first-order damages of all of the planes being down, rather than the potential extra due to the fact they are all down at the same time. e.g. If I own a mail-order business and I ship my stuff via air (with no contracts in place etc.), and suddenly no air planes can fly, so my business folds, I probably can't sue the air plane manufacturers. In a similar way, the individual 'damages' that are attributed in a DDOS attack are due to the coordinated nature, rather than each device doing actual harm/damage.